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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 | $11,169 | $121,701-90.8% | $104,639-89.3% | $158,982-93.0% |
| Participation rate | 61.5% | 77.5%-16.0pp | 74.1%-12.5pp | 82.0%-20.4pp |
| Annual return | 10.29% | 465.72%-455.4pp | 340.67%-330.4pp | 302.99%-292.7pp |
| Employer contribution / active EE | $0 | $3,165-100.0% | $2,682-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $8,497 | $4,176+103.5% | $3,738+127.3% | $5,983+42.0% |
| Admin fee / account holder | $5,261 | $7,778-32.4% | $6,465-18.6% | $11,252-53.2% |