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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 | $26,634 | $131,835-79.8% | $108,582-75.5% | $273,972-90.3% |
| Participation rate | 12.5% | 83.5%-71.0pp | 79.6%-67.1pp | 83.0%-70.5pp |
| Annual return | 6.26% | -91.57%+97.8pp | -51.70%+58.0pp | 41.46%-35.2pp |
| Employer contribution / active EE | $326 | $4,913-93.4% | $3,758-91.3% | $4,869-93.3% |
| Participant deferral / active EE | $1,529 | $5,127-70.2% | $4,311-64.5% | $5,287-71.1% |
| Admin fee / account holder | $679 | $10,253-93.4% | $7,645-91.1% | $10,133-93.3% |