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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 | $13,471 | $91,537-85.3% | $130,045-89.6% | $75,173-82.1% |
| Participation rate | 46.4% | 71.5%-25.0pp | 78.5%-32.1pp | 67.2%-20.8pp |
| Annual return | 19.57% | -631.55%+651.1pp | -137.30%+156.9pp | 160.72%-141.2pp |
| Employer contribution / active EE | $355 | $2,845-87.5% | $4,321-91.8% | $2,671-86.7% |
| Participant deferral / active EE | $2,359 | $4,343-45.7% | $5,820-59.5% | $4,126-42.8% |
| Admin fee / account holder | $720 | $6,780-89.4% | $10,600-93.2% | $5,651-87.3% |