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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 | $13,066 | $80,812-83.8% | $160,784-91.9% | $82,448-84.2% |
| Participation rate | 56.9% | 66.2%-9.3pp | 77.0%-20.1pp | 68.1%-11.2pp |
| Annual return | 22.55% | 100.59%-78.0pp | 1803.92%-1781.4pp | 41.64%-19.1pp |
| Employer contribution / active EE | $22 | $2,174-99.0% | $3,733-99.4% | $2,551-99.1% |
| Participant deferral / active EE | $3,622 | $4,335-16.5% | $6,293-42.4% | $4,139-12.5% |
| Admin fee / account holder | $954 | $7,695-87.6% | $9,717-90.2% | $7,234-86.8% |