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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 | $9,476 | $95,895-90.1% | $79,576-88.1% | $134,509-93.0% |
| Participation rate | 23.5% | 75.0%-51.5pp | 69.5%-46.0pp | 81.2%-57.7pp |
| Annual return | -19.21% | -2.72%-16.5pp | 0.15%-19.4pp | 418.13%-437.3pp |
| Employer contribution / active EE | $121 | $3,128-96.1% | $2,413-95.0% | $4,741-97.4% |
| Participant deferral / active EE | $1,163 | $4,693-75.2% | $3,985-70.8% | $6,400-81.8% |
| Admin fee / account holder | $711 | $9,129-92.2% | $6,834-89.6% | $11,427-93.8% |