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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 | $6,935 | $57,305-87.9% | $86,640-92.0% | $75,173-90.8% |
| Participation rate | 62.7% | 63.2%-0.5pp | 71.7%-9.0pp | 67.2%-4.5pp |
| Annual return | 23.55% | 2674.24%-2650.7pp | 592.52%-569.0pp | 160.72%-137.2pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,024-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,555 | $3,320-23.0% | $4,438-42.4% | $4,126-38.1% |
| Admin fee / account holder | $773 | $4,116-81.2% | $5,616-86.2% | $5,651-86.3% |