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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 | $16,252 | $85,766-81.1% | $136,297-88.1% | $70,124-76.8% |
| Participation rate | 44.9% | 74.2%-29.3pp | 81.9%-37.0pp | 69.5%-24.7pp |
| Annual return | 48.88% | 31.45%+17.4pp | 5156.19%-5107.3pp | 73.14%-24.3pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,593 | $5,051-48.7% | $6,247-58.5% | $3,332-22.2% |
| Admin fee / account holder | $1,161 | $5,420-78.6% | $9,244-87.4% | $4,645-75.0% |