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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 | $18,590 | $56,197-66.9% | $67,652-72.5% | $59,633-68.8% |
| Participation rate | 44.0% | 71.5%-27.5pp | 75.7%-31.7pp | 68.7%-24.7pp |
| Annual return | -1.42% | 18508.10%-18509.5pp | 6625.40%-6626.8pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,952 | $2,844+74.2% | $3,560+39.1% | $3,192+55.2% |
| Admin fee / account holder | $6,417 | $3,958+62.1% | $4,821+33.1% | $4,297+49.3% |