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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 | $11,670 | $45,123-74.1% | $85,240-86.3% | $74,478-84.3% |
| Participation rate | 25.7% | 49.4%-23.6pp | 67.5%-41.8pp | 67.2%-41.5pp |
| Annual return | 136.10% | 26.32%+109.8pp | 66.75%+69.3pp | 1370.56%-1234.5pp |
| Employer contribution / active EE | $0 | $1,459-100.0% | $2,735-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,156 | $2,736+15.3% | $4,527-30.3% | $4,350-27.5% |
| Admin fee / account holder | $9,238 | $2,215+317.2% | $6,165+49.9% | $1,946+374.8% |