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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 | $13,699 | $131,835-89.6% | $108,582-87.4% | $273,972-95.0% |
| Participation rate | 44.4% | 83.5%-39.0pp | 79.6%-35.1pp | 83.0%-38.6pp |
| Annual return | 5.25% | -91.57%+96.8pp | -51.70%+56.9pp | 41.46%-36.2pp |
| Employer contribution / active EE | $793 | $4,913-83.9% | $3,758-78.9% | $4,869-83.7% |
| Participant deferral / active EE | $2,008 | $5,127-60.8% | $4,311-53.4% | $5,287-62.0% |
| Admin fee / account holder | $531 | $10,253-94.8% | $7,645-93.0% | $10,133-94.8% |