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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 | $18,397 | $140,592-86.9% | $123,105-85.1% | $125,389-85.3% |
| Participation rate | 40.0% | 88.2%-48.2pp | 86.8%-46.8pp | 83.2%-43.2pp |
| Annual return | -3.27% | 16.80%-20.1pp | 13.22%-16.5pp | 282.24%-285.5pp |
| Employer contribution / active EE | $9 | $6,041-99.9% | $5,151-99.8% | $4,866-99.8% |
| Participant deferral / active EE | $4,043 | $6,980-42.1% | $6,229-35.1% | $5,352-24.5% |
| Admin fee / account holder | $53,210 | $11,198+375.2% | $9,014+490.3% | $9,541+457.7% |