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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 | $21,359 | $69,977-69.5% | $108,582-80.3% | $62,881-66.0% |
| Participation rate | 63.1% | 72.9%-9.8pp | 79.6%-16.5pp | 69.3%-6.2pp |
| Annual return | 6.59% | 10.73%-4.1pp | -51.70%+58.3pp | 20.14%-13.6pp |
| Employer contribution / active EE | $101 | $2,135-95.3% | $3,758-97.3% | $2,281-95.6% |
| Participant deferral / active EE | $1,436 | $3,165-54.6% | $4,311-66.7% | $3,203-55.2% |
| Admin fee / account holder | $575 | $5,076-88.7% | $7,645-92.5% | $4,296-86.6% |