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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 | $18,960 | $118,680-84.0% | $98,910-80.8% | $158,931-88.1% |
| Participation rate | 43.8% | 77.8%-34.1pp | 76.0%-32.3pp | 82.0%-38.2pp |
| Annual return | 16.28% | 372.35%-356.1pp | 196.44%-180.2pp | 302.86%-286.6pp |
| Employer contribution / active EE | $0 | $3,333-100.0% | $2,689-100.0% | $4,761-100.0% |
| Participant deferral / active EE | $2,658 | $5,088-47.8% | $4,244-37.4% | $5,982-55.6% |
| Admin fee / account holder | $3,419 | $10,131-66.2% | $6,642-48.5% | $11,247-69.6% |