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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 | $6,053 | $51,642-88.3% | $129,384-95.3% | $80,935-92.5% |
| Participation rate | 51.6% | 56.9%-5.3pp | 69.6%-18.0pp | 67.7%-16.0pp |
| Annual return | 40.93% | 20.78%+20.1pp | 9461.77%-9420.8pp | 35.66%+5.3pp |
| Employer contribution / active EE | $0 | $1,583-100.0% | $4,153-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $909 | $2,670-66.0% | $4,166-78.2% | $4,299-78.9% |
| Admin fee / account holder | $475 | $4,312-89.0% | $7,686-93.8% | $6,924-93.1% |