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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 | $9,804 | $133,981-92.7% | $112,249-91.3% | $134,532-92.7% |
| Participation rate | 65.0% | 78.6%-13.6pp | 75.1%-10.1pp | 81.2%-16.2pp |
| Annual return | -19.94% | 47.16%-67.1pp | 27.48%-47.4pp | 418.27%-438.2pp |
| Employer contribution / active EE | $431 | $4,040-89.3% | $3,636-88.1% | $4,741-90.9% |
| Participant deferral / active EE | $1,775 | $5,292-66.5% | $4,729-62.5% | $6,401-72.3% |
| Admin fee / account holder | $384 | $7,492-94.9% | $6,412-94.0% | $11,429-96.6% |