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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 | $18,143 | $138,076-86.9% | $123,553-85.3% | $135,380-86.6% |
| Participation rate | 46.7% | 84.7%-38.1pp | 82.3%-35.6pp | 82.6%-36.0pp |
| Annual return | -5.09% | 153.70%-158.8pp | 119.21%-124.3pp | 519.81%-524.9pp |
| Employer contribution / active EE | $438 | $5,152-91.5% | $4,628-90.5% | $4,779-90.8% |
| Participant deferral / active EE | $4,247 | $6,800-37.5% | $6,426-33.9% | $5,609-24.3% |
| Admin fee / account holder | $695 | $10,917-93.6% | $9,284-92.5% | $10,828-93.6% |