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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 | $19,909 | $80,753-75.3% | $136,298-85.4% | $62,293-68.0% |
| Participation rate | 37.3% | 73.5%-36.2pp | 81.9%-44.6pp | 69.5%-32.2pp |
| Annual return | 26.08% | 35.83%-9.8pp | 5156.27%-5130.2pp | 28.90%-2.8pp |
| Employer contribution / active EE | $0 | $2,884-100.0% | $4,696-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $4,077 | $5,164-21.0% | $6,247-34.7% | $3,169+28.7% |
| Admin fee / account holder | $1,314 | $525+150.0% | $9,244-85.8% | $479+174.1% |