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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 | $9,934 | $73,009-86.4% | $90,756-89.1% | $68,495-85.5% |
| Participation rate | 32.6% | 70.8%-38.2pp | 75.7%-43.1pp | 67.9%-35.3pp |
| Annual return | 0.65% | -13.81%+14.5pp | -12.16%+12.8pp | -7.84%+8.5pp |
| Employer contribution / active EE | $451 | $2,193-79.4% | $2,922-84.6% | $2,596-82.6% |
| Participant deferral / active EE | $1,879 | $3,626-48.2% | $4,565-58.8% | $4,028-53.3% |
| Admin fee / account holder | $1,246 | $5,896-78.9% | $8,445-85.2% | $5,403-76.9% |