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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 | $7,750 | $73,863-89.5% | $143,797-94.6% | $68,490-88.7% |
| Participation rate | 48.4% | 66.7%-18.2pp | 80.3%-31.9pp | 67.9%-19.5pp |
| Annual return | -18.38% | 0.91%-19.3pp | -0.04%-18.3pp | -7.85%-10.5pp |
| Employer contribution / active EE | $79 | $3,185-97.5% | $4,952-98.4% | $2,597-97.0% |
| Participant deferral / active EE | $1,374 | $3,385-59.4% | $5,638-75.6% | $4,028-65.9% |
| Admin fee / account holder | $413 | $5,756-92.8% | $14,679-97.2% | $5,403-92.4% |