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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 | $22,369 | $131,835-83.0% | $108,582-79.4% | $273,972-91.8% |
| Participation rate | 69.6% | 83.5%-13.9pp | 79.6%-10.0pp | 83.0%-13.5pp |
| Annual return | 10.99% | -91.57%+102.6pp | -51.70%+62.7pp | 41.46%-30.5pp |
| Employer contribution / active EE | $796 | $4,913-83.8% | $3,758-78.8% | $4,869-83.7% |
| Participant deferral / active EE | $2,171 | $5,127-57.7% | $4,311-49.6% | $5,287-58.9% |
| Admin fee / account holder | $444 | $10,253-95.7% | $7,645-94.2% | $10,133-95.6% |