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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 | $7,880 | $142,392-94.5% | $119,622-93.4% | $134,532-94.1% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | 57.26% | -12.46%+69.7pp | -14.98%+72.2pp | 418.27%-361.0pp |
| Employer contribution / active EE | $1,015 | $5,224-80.6% | $4,232-76.0% | $4,741-78.6% |
| Participant deferral / active EE | $2,604 | $6,467-59.7% | $5,601-53.5% | $6,401-59.3% |
| Admin fee / account holder | $397 | $13,593-97.1% | $10,328-96.2% | $11,429-96.5% |