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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 | $17,341 | $77,816-77.7% | $123,552-86.0% | $64,173-73.0% |
| Participation rate | 34.1% | 74.7%-40.6pp | 82.3%-48.2pp | 69.6%-35.5pp |
| Annual return | -4.67% | 12.49%-17.2pp | 119.20%-123.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $28 | $3,014-99.1% | $4,628-99.4% | $2,381-98.8% |
| Participant deferral / active EE | $4,626 | $5,240-11.7% | $6,426-28.0% | $3,470+33.3% |
| Admin fee / account holder | $8,002 | $5,519+45.0% | $9,285-13.8% | $4,887+63.7% |