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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 | $20,000 | $138,075-85.5% | $123,552-83.8% | $135,379-85.2% |
| Participation rate | 55.0% | 84.7%-29.7pp | 82.3%-27.3pp | 82.6%-27.6pp |
| Annual return | -6.16% | 153.70%-159.9pp | 119.20%-125.4pp | 519.79%-525.9pp |
| Employer contribution / active EE | $354 | $5,152-93.1% | $4,628-92.4% | $4,779-92.6% |
| Participant deferral / active EE | $5,483 | $6,800-19.4% | $6,426-14.7% | $5,609-2.2% |
| Admin fee / account holder | $1,271 | $10,917-88.4% | $9,285-86.3% | $10,828-88.3% |