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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 | $13,295 | $131,835-89.9% | $108,582-87.8% | $273,972-95.1% |
| Participation rate | 47.6% | 83.5%-35.8pp | 79.6%-32.0pp | 83.0%-35.4pp |
| Annual return | 7.68% | -91.57%+99.3pp | -51.70%+59.4pp | 41.46%-33.8pp |
| Employer contribution / active EE | $827 | $4,913-83.2% | $3,758-78.0% | $4,869-83.0% |
| Participant deferral / active EE | $2,656 | $5,127-48.2% | $4,311-38.4% | $5,287-49.8% |
| Admin fee / account holder | $1,019 | $10,253-90.1% | $7,645-86.7% | $10,133-89.9% |