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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 | $11,658 | $95,406-87.8% | $185,849-93.7% | $85,847-86.4% |
| Participation rate | 41.1% | 68.8%-27.7pp | 81.7%-40.6pp | 69.3%-28.2pp |
| Annual return | 33.59% | 23.59%+10.0pp | 122.10%-88.5pp | 318.61%-285.0pp |
| Employer contribution / active EE | $0 | $3,314-100.0% | $5,169-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,093 | $3,424-68.1% | $5,569-80.4% | $3,952-72.3% |
| Admin fee / account holder | $655 | $7,214-90.9% | $16,244-96.0% | $6,261-89.5% |