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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 | $25,334 | $110,083-77.0% | $151,639-83.3% | $68,486-63.0% |
| Participation rate | 64.9% | 84.0%-19.1pp | 87.5%-22.6pp | 67.9%-3.0pp |
| Annual return | -16.26% | -10.12%-6.1pp | 3.34%-19.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $197 | $4,470-95.6% | $6,165-96.8% | $2,597-92.4% |
| Participant deferral / active EE | $6,198 | $6,526-5.0% | $8,363-25.9% | $4,028+53.9% |
| Admin fee / account holder | $5,192 | $7,718-32.7% | $11,613-55.3% | $5,404-3.9% |