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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 | $101,653-81.4% | $147,080-87.1% | $74,459-74.6% |
| Participation rate | 39.1% | 75.6%-36.5pp | 82.2%-43.1pp | 67.2%-28.2pp |
| Annual return | 22.70% | 8754.98%-8732.3pp | 420.17%-397.5pp | 1369.70%-1347.0pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $4,563 | $7,304-37.5% | $8,066-43.4% | $4,350+4.9% |
| Admin fee / account holder | $6,712 | $1,752+283.2% | $12,989-48.3% | $1,945+245.1% |