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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 | $8,545 | $73,848-88.4% | $143,799-94.1% | $68,486-87.5% |
| Participation rate | 37.7% | 66.7%-29.0pp | 80.3%-42.6pp | 67.9%-30.2pp |
| Annual return | -13.15% | 0.91%-14.1pp | -0.04%-13.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $287 | $3,184-91.0% | $4,952-94.2% | $2,597-89.0% |
| Participant deferral / active EE | $1,134 | $3,385-66.5% | $5,638-79.9% | $4,028-71.8% |
| Admin fee / account holder | $537 | $5,755-90.7% | $14,677-96.3% | $5,404-90.1% |