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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 | $18,381 | $68,398-73.1% | $94,664-80.6% | $75,173-75.5% |
| Participation rate | 58.8% | 76.1%-17.3pp | 80.8%-22.0pp | 67.2%-8.4pp |
| Annual return | 62.32% | 616.72%-554.4pp | 156.84%-94.5pp | 160.72%-98.4pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,710 | $6,537-27.9% | $7,417-36.5% | $4,126+14.1% |
| Admin fee / account holder | $742 | $5,324-86.1% | $7,222-89.7% | $5,651-86.9% |