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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 | $12,066 | $65,434-81.6% | $98,483-87.7% | $85,847-85.9% |
| Participation rate | 39.3% | 65.0%-25.7pp | 73.3%-34.1pp | 69.3%-30.0pp |
| Annual return | 13.79% | 21.75%-8.0pp | 1494.38%-1480.6pp | 318.61%-304.8pp |
| Employer contribution / active EE | $0 | $2,169-100.0% | $2,961-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $876 | $3,168-72.4% | $4,276-79.5% | $3,952-77.8% |
| Admin fee / account holder | $2,500 | $4,595-45.6% | $5,953-58.0% | $6,261-60.1% |