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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 | $7,832 | $87,542-91.1% | $75,782-89.7% | $125,393-93.8% |
| Participation rate | 36.4% | 80.2%-43.8pp | 75.8%-39.5pp | 83.2%-46.8pp |
| Annual return | -2.43% | 13.48%-15.9pp | 9.68%-12.1pp | 282.23%-284.7pp |
| Employer contribution / active EE | $444 | $3,930-88.7% | $3,323-86.6% | $4,866-90.9% |
| Participant deferral / active EE | $1,506 | $4,229-64.4% | $3,652-58.7% | $5,351-71.9% |
| Admin fee / account holder | $403 | $6,502-93.8% | $5,300-92.4% | $9,541-95.8% |