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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 | $12,835 | $73,102-82.4% | $123,553-89.6% | $56,289-77.2% |
| Participation rate | 42.2% | 74.3%-32.1pp | 82.3%-40.1pp | 69.9%-27.6pp |
| Annual return | 103.98% | 3.01%+101.0pp | 119.21%-15.2pp | -9.96%+113.9pp |
| Employer contribution / active EE | $0 | $2,977-100.0% | $4,628-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $4,487 | $5,423-17.2% | $6,426-30.2% | $3,350+34.0% |
| Admin fee / account holder | $831 | $554+50.1% | $9,284-91.0% | $521+59.5% |