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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 | $13,915 | $110,083-87.4% | $151,645-90.8% | $68,490-79.7% |
| Participation rate | 59.6% | 84.0%-24.4pp | 87.5%-27.9pp | 67.9%-8.3pp |
| Annual return | -14.83% | -10.12%-4.7pp | 3.34%-18.2pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,151 | $4,470-74.3% | $6,165-81.3% | $2,597-55.7% |
| Participant deferral / active EE | $4,585 | $6,526-29.7% | $8,363-45.2% | $4,028+13.8% |
| Admin fee / account holder | $939 | $7,718-87.8% | $11,614-91.9% | $5,403-82.6% |