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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 | $11,844 | $55,470-78.6% | $155,556-92.4% | $74,478-84.1% |
| Participation rate | 45.3% | 61.9%-16.6pp | 78.2%-32.9pp | 67.2%-21.9pp |
| Annual return | 14.54% | 269.80%-255.3pp | 64.84%-50.3pp | 1370.56%-1356.0pp |
| Employer contribution / active EE | $0 | $2,267-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,302 | $2,838-18.9% | $5,631-59.1% | $4,350-47.1% |
| Admin fee / account holder | $883 | $1,744-49.4% | $15,885-94.4% | $1,946-54.6% |