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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 | $15,425 | $167,362-90.8% | $143,799-89.3% | $134,532-88.5% |
| Participation rate | 41.2% | 84.8%-43.6pp | 80.3%-39.1pp | 81.2%-40.1pp |
| Annual return | -18.04% | 0.47%-18.5pp | -0.04%-18.0pp | 418.27%-436.3pp |
| Employer contribution / active EE | $611 | $5,620-89.1% | $4,952-87.7% | $4,741-87.1% |
| Participant deferral / active EE | $2,258 | $6,447-65.0% | $5,638-60.0% | $6,401-64.7% |
| Admin fee / account holder | $635 | $18,094-96.5% | $14,677-95.7% | $11,429-94.4% |