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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 | $3,199 | $95,406-96.6% | $185,849-98.3% | $85,847-96.3% |
| Participation rate | 20.0% | 68.8%-48.8pp | 81.7%-61.7pp | 69.3%-49.3pp |
| Annual return | 35.25% | 23.59%+11.7pp | 122.10%-86.8pp | 318.61%-283.4pp |
| Employer contribution / active EE | $10 | $3,314-99.7% | $5,169-99.8% | $2,565-99.6% |
| Participant deferral / active EE | $1,007 | $3,424-70.6% | $5,569-81.9% | $3,952-74.5% |
| Admin fee / account holder | $825 | $7,214-88.6% | $16,244-94.9% | $6,261-86.8% |