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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 | $10,326 | $68,398-84.9% | $94,664-89.1% | $75,173-86.3% |
| Participation rate | 66.0% | 76.1%-10.1pp | 80.8%-14.9pp | 67.2%-1.2pp |
| Annual return | 76.84% | 616.72%-539.9pp | 156.84%-80.0pp | 160.72%-83.9pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,368 | $6,537-48.5% | $7,417-54.6% | $4,126-18.4% |
| Admin fee / account holder | $1,555 | $5,324-70.8% | $7,222-78.5% | $5,651-72.5% |