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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 | $8,681 | $43,338-80.0% | $59,887-85.5% | $64,173-86.5% |
| Participation rate | 29.4% | 69.2%-39.8pp | 74.7%-45.3pp | 69.6%-40.2pp |
| Annual return | -6.44% | -1.55%-4.9pp | 3.46%-9.9pp | 7.63%-14.1pp |
| Employer contribution / active EE | $81 | $2,030-96.0% | $2,722-97.0% | $2,381-96.6% |
| Participant deferral / active EE | $846 | $2,547-66.8% | $3,402-75.1% | $3,470-75.6% |
| Admin fee / account holder | $1,413 | $3,007-53.0% | $3,591-60.7% | $4,887-71.1% |