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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 | $7,954 | $58,292-86.4% | $86,640-90.8% | $71,511-88.9% |
| Participation rate | 27.9% | 65.0%-37.1pp | 71.7%-43.8pp | 67.9%-40.0pp |
| Annual return | 66.04% | 21.63%+44.4pp | 592.52%-526.5pp | 28.86%+37.2pp |
| Employer contribution / active EE | $0 | $2,574-100.0% | $3,024-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,664 | $3,438-51.6% | $4,438-62.5% | $4,291-61.2% |
| Admin fee / account holder | $2,112 | $1,057+99.7% | $5,616-62.4% | $1,588+32.9% |