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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 | $15,256 | $99,957-84.7% | $149,730-89.8% | $73,493-79.2% |
| Participation rate | 32.7% | 75.7%-43.0pp | 82.5%-49.8pp | 70.7%-38.0pp |
| Annual return | 66.99% | 53.87%+13.1pp | 276.70%-209.7pp | 28.51%+38.5pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $4,745 | $6,073-21.9% | $6,843-30.7% | $3,740+26.9% |
| Admin fee / account holder | $3,289 | $551+497.2% | $9,310-64.7% | $513+541.0% |