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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,758 | $68,412-71.1% | $94,679-79.1% | $75,181-73.7% |
| Participation rate | 58.2% | 76.1%-17.8pp | 80.8%-22.6pp | 67.2%-9.0pp |
| Annual return | 21.00% | 616.91%-595.9pp | 156.75%-135.8pp | 160.69%-139.7pp |
| Employer contribution / active EE | $9 | $2,701-99.7% | $3,673-99.8% | $2,671-99.7% |
| Participant deferral / active EE | $4,087 | $6,537-37.5% | $7,417-44.9% | $4,126-0.9% |
| Admin fee / account holder | $1,001 | $5,326-81.2% | $7,233-86.2% | $5,650-82.3% |