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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 | $20,982 | $102,385-79.5% | $147,080-85.7% | $80,935-74.1% |
| Participation rate | 51.3% | 75.9%-24.6pp | 82.2%-30.9pp | 67.7%-16.3pp |
| Annual return | 31.33% | 135.09%-103.8pp | 420.17%-388.8pp | 35.66%-4.3pp |
| Employer contribution / active EE | $2 | $3,717-99.9% | $4,933-100.0% | $2,757-99.9% |
| Participant deferral / active EE | $4,892 | $6,651-26.5% | $8,066-39.4% | $4,299+13.8% |
| Admin fee / account holder | $1,968 | $7,951-75.3% | $12,989-84.9% | $6,924-71.6% |