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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 | $15,193 | $57,352-73.5% | $83,830-81.9% | $64,173-76.3% |
| Participation rate | 24.2% | 68.6%-44.4pp | 76.1%-52.0pp | 69.6%-45.4pp |
| Annual return | -8.58% | 11.38%-20.0pp | 850.97%-859.5pp | 7.63%-16.2pp |
| Employer contribution / active EE | $409 | $2,546-83.9% | $3,631-88.7% | $2,381-82.8% |
| Participant deferral / active EE | $1,224 | $2,993-59.1% | $4,082-70.0% | $3,470-64.7% |
| Admin fee / account holder | $1,310 | $4,046-67.6% | $5,479-76.1% | $4,887-73.2% |