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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 | $19,908 | $102,393-80.6% | $147,041-86.5% | $80,911-75.4% |
| Participation rate | 58.3% | 75.9%-17.5pp | 82.2%-23.8pp | 67.6%-9.3pp |
| Annual return | 56.61% | 134.95%-78.3pp | 419.21%-362.6pp | 35.63%+21.0pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $9,232 | $6,647+38.9% | $8,071+14.4% | $4,297+114.8% |
| Admin fee / account holder | $1,124 | $7,943-85.9% | $13,006-91.4% | $6,935-83.8% |