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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 | $19,460 | $99,652-80.5% | $78,778-75.3% | $147,586-86.8% |
| Participation rate | 35.7% | 76.2%-40.5pp | 69.2%-33.5pp | 82.8%-47.1pp |
| Annual return | 9.23% | 47.28%-38.1pp | 35.62%-26.4pp | 578.59%-569.4pp |
| Employer contribution / active EE | $0 | $2,796-100.0% | $1,986-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $1,044 | $3,664-71.5% | $2,958-64.7% | $5,439-80.8% |
| Admin fee / account holder | $15,040 | $7,155+110.2% | $5,134+193.0% | $10,886+38.2% |