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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 | $23,158 | $59,456-61.1% | $93,669-75.3% | $74,429-68.9% |
| Participation rate | 43.3% | 59.6%-16.3pp | 68.7%-25.4pp | 67.2%-23.9pp |
| Annual return | 16.64% | 82.00%-65.4pp | 133.59%-117.0pp | 1368.38%-1351.7pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,424-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,399 | $3,052+44.1% | $4,416-0.4% | $4,348+1.2% |
| Admin fee / account holder | $2,380 | $3,026-21.3% | $8,291-71.3% | $1,944+22.4% |