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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 | $10,676 | $89,367-88.1% | $141,191-92.4% | $72,975-85.4% |
| Participation rate | 57.4% | 75.1%-17.7pp | 82.5%-25.1pp | 69.5%-12.1pp |
| Annual return | 178.59% | 111.87%+66.7pp | 71.41%+107.2pp | 81.01%+97.6pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,778 | $5,419-11.8% | $6,710-28.8% | $3,608+32.4% |
| Admin fee / account holder | $414 | $5,957-93.1% | $10,264-96.0% | $5,124-91.9% |