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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 | $16,235 | $72,177-77.5% | $115,038-85.9% | $59,633-72.8% |
| Participation rate | 62.2% | 72.6%-10.4pp | 81.4%-19.2pp | 68.7%-6.5pp |
| Annual return | -0.10% | 12.02%-12.1pp | 26.14%-26.2pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $397 | $2,841-86.0% | $4,608-91.4% | $2,203-82.0% |
| Participant deferral / active EE | $2,564 | $4,783-46.4% | $6,026-57.4% | $3,192-19.7% |
| Admin fee / account holder | $2,976 | $4,927-39.6% | $8,175-63.6% | $4,297-30.7% |