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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 | $11,667 | $131,835-91.2% | $108,582-89.3% | $273,972-95.7% |
| Participation rate | 30.8% | 83.5%-52.7pp | 79.6%-48.8pp | 83.0%-52.2pp |
| Annual return | 9.81% | -91.57%+101.4pp | -51.70%+61.5pp | 41.46%-31.6pp |
| Employer contribution / active EE | $333 | $4,913-93.2% | $3,758-91.1% | $4,869-93.2% |
| Participant deferral / active EE | $1,576 | $5,127-69.3% | $4,311-63.4% | $5,287-70.2% |
| Admin fee / account holder | $1,212 | $10,253-88.2% | $7,645-84.2% | $10,133-88.0% |