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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 | $15,344 | $81,870-81.3% | $119,608-87.2% | $68,495-77.6% |
| Participation rate | 42.9% | 71.9%-29.0pp | 79.3%-36.4pp | 67.9%-25.0pp |
| Annual return | -4.05% | -23.82%+19.8pp | -14.98%+10.9pp | -7.84%+3.8pp |
| Employer contribution / active EE | $429 | $2,692-84.1% | $4,232-89.9% | $2,596-83.5% |
| Participant deferral / active EE | $3,290 | $4,148-20.7% | $5,601-41.3% | $4,028-18.3% |
| Admin fee / account holder | $891 | $6,583-86.5% | $10,326-91.4% | $5,403-83.5% |