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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 | $10,898 | $91,525-88.1% | $130,026-91.6% | $75,181-85.5% |
| Participation rate | 68.0% | 71.4%-3.4pp | 78.5%-10.5pp | 67.2%+0.8pp |
| Annual return | 48.49% | -631.40%+679.9pp | -137.26%+185.8pp | 160.69%-112.2pp |
| Employer contribution / active EE | $534 | $2,844-81.2% | $4,321-87.6% | $2,671-80.0% |
| Participant deferral / active EE | $2,193 | $4,342-49.5% | $5,821-62.3% | $4,126-46.9% |
| Admin fee / account holder | $379 | $6,778-94.4% | $10,608-96.4% | $5,650-93.3% |