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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 | $11,377 | $180,462-93.7% | $154,111-92.6% | $135,379-91.6% |
| Participation rate | 57.9% | 87.4%-29.5pp | 83.0%-25.1pp | 82.6%-24.7pp |
| Annual return | -8.27% | 888.17%-896.4pp | 735.18%-743.4pp | 519.79%-528.1pp |
| Employer contribution / active EE | $1,185 | $6,036-80.4% | $5,298-77.6% | $4,779-75.2% |
| Participant deferral / active EE | $2,080 | $5,806-64.2% | $5,081-59.1% | $5,609-62.9% |
| Admin fee / account holder | $1,623 | $16,145-89.9% | $13,411-87.9% | $10,828-85.0% |