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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 | $12,455 | $60,119-79.3% | $90,430-86.2% | $79,858-84.4% |
| Participation rate | 31.4% | 65.0%-33.5pp | 72.7%-41.3pp | 69.6%-38.2pp |
| Annual return | 355.28% | 71.94%+283.3pp | 1293.73%-938.4pp | 31.72%+323.6pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $3,262-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,002 | $2,938-65.9% | $3,963-74.7% | $3,740-73.2% |
| Admin fee / account holder | $317 | $3,976-92.0% | $5,613-94.3% | $5,306-94.0% |