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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 | $59,467-61.1% | $93,727-75.3% | $74,478-68.9% |
| Participation rate | 43.3% | 59.6%-16.3pp | 68.7%-25.4pp | 67.2%-23.9pp |
| Annual return | 16.64% | 82.14%-65.5pp | 133.83%-117.2pp | 1370.56%-1353.9pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $4,399 | $3,052+44.1% | $4,417-0.4% | $4,350+1.1% |
| Admin fee / account holder | $2,380 | $3,028-21.4% | $8,292-71.3% | $1,946+22.3% |