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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 | $29,222 | $79,189-63.1% | $102,457-71.5% | $74,400-60.7% |
| Participation rate | 42.6% | 74.8%-32.2pp | 76.5%-33.9pp | 67.2%-24.6pp |
| Annual return | 453.04% | 54.98%+398.1pp | 29.41%+423.6pp | 1367.51%-914.5pp |
| Employer contribution / active EE | $168 | $2,362-92.9% | $3,022-94.4% | $2,624-93.6% |
| Participant deferral / active EE | $2,772 | $4,415-37.2% | $5,054-45.1% | $4,348-36.2% |
| Admin fee / account holder | $14,786 | $2,002+638.5% | $9,451+56.4% | $1,944+660.7% |