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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 | $8,568 | $54,541-84.3% | $78,778-89.1% | $70,126-87.8% |
| Participation rate | 30.2% | 60.8%-30.6pp | 69.2%-39.0pp | 69.5%-39.4pp |
| Annual return | 493.69% | 21.07%+472.6pp | 35.62%+458.1pp | 73.15%+420.5pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,249 | $2,210+1.8% | $2,958-24.0% | $3,332-32.5% |
| Admin fee / account holder | $308 | $3,709-91.7% | $5,134-94.0% | $4,645-93.4% |