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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 | $18,943 | $101,539-81.3% | $147,041-87.1% | $74,400-74.5% |
| Participation rate | 39.1% | 75.5%-36.5pp | 82.2%-43.1pp | 67.2%-28.1pp |
| Annual return | 22.70% | 8740.84%-8718.1pp | 419.21%-396.5pp | 1367.51%-1344.8pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,935-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $4,563 | $7,304-37.5% | $8,071-43.5% | $4,348+4.9% |
| Admin fee / account holder | $6,712 | $1,749+283.7% | $13,006-48.4% | $1,944+245.4% |