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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 | $9,036 | $69,518-87.0% | $59,883-84.9% | $135,382-93.3% |
| Participation rate | 64.7% | 77.8%-13.1pp | 74.7%-10.0pp | 82.6%-17.9pp |
| Annual return | -6.31% | 7.95%-14.3pp | 3.46%-9.8pp | 519.77%-526.1pp |
| Employer contribution / active EE | $103 | $3,235-96.8% | $2,722-96.2% | $4,779-97.8% |
| Participant deferral / active EE | $2,119 | $4,204-49.6% | $3,402-37.7% | $5,609-62.2% |
| Admin fee / account holder | $1,102 | $5,734-80.8% | $3,591-69.3% | $10,829-89.8% |