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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 | $17,181 | $180,462-90.5% | $154,111-88.9% | $135,379-87.3% |
| Participation rate | 55.6% | 87.4%-31.9pp | 83.0%-27.5pp | 82.6%-27.1pp |
| Annual return | -8.66% | 888.17%-896.8pp | 735.18%-743.8pp | 519.79%-528.5pp |
| Employer contribution / active EE | $569 | $6,036-90.6% | $5,298-89.3% | $4,779-88.1% |
| Participant deferral / active EE | $2,289 | $5,806-60.6% | $5,081-55.0% | $5,609-59.2% |
| Admin fee / account holder | $822 | $16,145-94.9% | $13,411-93.9% | $10,828-92.4% |