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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 | $16,501 | $101,539-83.7% | $147,041-88.8% | $74,400-77.8% |
| Participation rate | 44.5% | 75.5%-31.0pp | 82.2%-37.6pp | 67.2%-22.7pp |
| Annual return | 74.01% | 8740.84%-8666.8pp | 419.21%-345.2pp | 1367.51%-1293.5pp |
| Employer contribution / active EE | $515 | $3,811-86.5% | $4,935-89.6% | $2,624-80.4% |
| Participant deferral / active EE | $3,281 | $7,304-55.1% | $8,071-59.3% | $4,348-24.5% |
| Admin fee / account holder | $2,289 | $1,749+30.9% | $13,006-82.4% | $1,944+17.8% |