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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 | $14,816 | $64,729-77.1% | $112,263-86.8% | $68,490-78.4% |
| Participation rate | 35.0% | 67.2%-32.2pp | 75.1%-40.1pp | 67.9%-32.9pp |
| Annual return | -19.28% | -11.40%-7.9pp | 27.49%-46.8pp | -7.85%-11.4pp |
| Employer contribution / active EE | $677 | $2,746-75.4% | $3,636-81.4% | $2,597-73.9% |
| Participant deferral / active EE | $1,817 | $3,566-49.0% | $4,729-61.6% | $4,028-54.9% |
| Admin fee / account holder | $961 | $5,222-81.6% | $6,410-85.0% | $5,403-82.2% |