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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 | $8,493 | $42,909-80.2% | $60,906-86.1% | $68,486-87.6% |
| Participation rate | 30.8% | 66.8%-36.0pp | 73.1%-42.3pp | 67.9%-37.1pp |
| Annual return | -17.48% | -13.99%-3.5pp | 16.94%-34.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $331 | $1,979-83.3% | $2,703-87.8% | $2,597-87.3% |
| Participant deferral / active EE | $1,054 | $2,866-63.2% | $3,814-72.4% | $4,028-73.8% |
| Admin fee / account holder | $829 | $3,104-73.3% | $3,227-74.3% | $5,404-84.7% |