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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 | $10,771 | $46,360-76.8% | $147,617-92.7% | $52,331-79.4% |
| Participation rate | 37.0% | 64.9%-27.9pp | 84.6%-47.6pp | 68.1%-31.1pp |
| Annual return | -1.36% | 1.62%-3.0pp | 61.98%-63.3pp | 4.54%-5.9pp |
| Employer contribution / active EE | $119 | $2,126-94.4% | $5,564-97.9% | $1,882-93.7% |
| Participant deferral / active EE | $744 | $2,258-67.1% | $4,895-84.8% | $3,022-75.4% |
| Admin fee / account holder | $566 | $766-26.0% | $11,612-95.1% | $592-4.3% |