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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 | $16,921 | $158,852-89.3% | $121,220-86.0% | $135,379-87.5% |
| Participation rate | 68.8% | 79.3%-10.6pp | 71.8%-3.0pp | 82.6%-13.9pp |
| Annual return | -8.42% | -0.64%-7.8pp | 16.94%-25.4pp | 519.79%-528.2pp |
| Employer contribution / active EE | $0 | $5,666-100.0% | $4,023-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $339 | $4,006-91.5% | $3,345-89.9% | $5,609-93.9% |
| Admin fee / account holder | $325 | $6,515-95.0% | $5,021-93.5% | $10,828-97.0% |