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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 | $9,713 | $81,870-88.1% | $119,622-91.9% | $68,486-85.8% |
| Participation rate | 44.6% | 71.9%-27.3pp | 79.3%-34.6pp | 67.9%-23.3pp |
| Annual return | -18.71% | -23.82%+5.1pp | -14.98%-3.7pp | -7.85%-10.9pp |
| Employer contribution / active EE | $278 | $2,692-89.7% | $4,232-93.4% | $2,597-89.3% |
| Participant deferral / active EE | $1,905 | $4,148-54.1% | $5,601-66.0% | $4,028-52.7% |
| Admin fee / account holder | $780 | $6,583-88.1% | $10,328-92.4% | $5,404-85.6% |