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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 | $14,308 | $59,813-76.1% | $79,580-82.0% | $68,486-79.1% |
| Participation rate | 37.6% | 61.1%-23.4pp | 69.5%-31.8pp | 67.9%-30.2pp |
| Annual return | -7.70% | -12.30%+4.6pp | 0.15%-7.9pp | -7.85%+0.2pp |
| Employer contribution / active EE | $264 | $1,505-82.5% | $2,413-89.1% | $2,597-89.8% |
| Participant deferral / active EE | $1,412 | $3,024-53.3% | $3,985-64.6% | $4,028-64.9% |
| Admin fee / account holder | $576 | $4,835-88.1% | $6,835-91.6% | $5,404-89.3% |