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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 | $25,551 | $137,414-81.4% | $189,537-86.5% | $85,847-70.2% |
| Participation rate | 64.2% | 84.6%-20.4pp | 87.8%-23.6pp | 69.3%-5.1pp |
| Annual return | 49.15% | 38.14%+11.0pp | 555.34%-506.2pp | 318.61%-269.5pp |
| Employer contribution / active EE | $1,046 | $4,344-75.9% | $6,161-83.0% | $2,565-59.2% |
| Participant deferral / active EE | $3,471 | $6,260-44.6% | $8,220-57.8% | $3,952-12.2% |
| Admin fee / account holder | $6,225 | $8,630-27.9% | $12,048-48.3% | $6,261-0.6% |