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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 | $5,828 | $190,916-96.9% | $160,037-96.4% | $134,545-95.7% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.0%-11.3pp | 81.2%-14.6pp |
| Annual return | -18.91% | 552.79%-571.7pp | 408.95%-427.9pp | 418.37%-437.3pp |
| Employer contribution / active EE | $496 | $4,996-90.1% | $4,226-88.3% | $4,742-89.5% |
| Participant deferral / active EE | $1,988 | $6,925-71.3% | $6,184-67.9% | $6,401-68.9% |
| Admin fee / account holder | $1,455 | $10,497-86.1% | $8,716-83.3% | $11,431-87.3% |