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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 | $12,492 | $185,225-93.3% | $142,898-91.3% | $167,536-92.5% |
| Participation rate | 53.8% | 78.5%-24.6pp | 72.0%-18.1pp | 82.1%-28.3pp |
| Annual return | 60.49% | 8558.12%-8497.6pp | 5639.64%-5579.2pp | 478.82%-418.3pp |
| Employer contribution / active EE | $0 | $5,607-100.0% | $4,146-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,745 | $4,496-38.9% | $3,838-28.5% | $6,342-56.7% |
| Admin fee / account holder | $1,456 | $8,032-81.9% | $6,560-77.8% | $12,315-88.2% |