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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 | $101,653-83.8% | $147,080-88.8% | $74,459-77.8% |
| Participation rate | 44.5% | 75.6%-31.0pp | 82.2%-37.7pp | 67.2%-22.7pp |
| Annual return | 74.01% | 8754.98%-8681.0pp | 420.17%-346.2pp | 1369.70%-1295.7pp |
| Employer contribution / active EE | $515 | $3,813-86.5% | $4,933-89.6% | $2,626-80.4% |
| Participant deferral / active EE | $3,281 | $7,304-55.1% | $8,066-59.3% | $4,350-24.6% |
| Admin fee / account holder | $2,289 | $1,752+30.7% | $12,989-82.4% | $1,945+17.7% |