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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 | $16,938 | $154,193-89.0% | $130,045-87.0% | $139,466-87.9% |
| Participation rate | 53.3% | 82.0%-28.6pp | 78.5%-25.2pp | 80.3%-27.0pp |
| Annual return | 21.34% | 32.51%-11.2pp | -137.30%+158.6pp | 373.66%-352.3pp |
| Employer contribution / active EE | $104 | $5,292-98.0% | $4,321-97.6% | $4,754-97.8% |
| Participant deferral / active EE | $2,942 | $6,709-56.2% | $5,820-49.5% | $6,712-56.2% |
| Admin fee / account holder | $9,308 | $13,989-33.5% | $10,600-12.2% | $11,409-18.4% |