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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 | $19,929 | $102,661-80.6% | $151,639-86.9% | $66,938-70.2% |
| Participation rate | 62.4% | 85.5%-23.1pp | 87.5%-25.1pp | 69.8%-7.4pp |
| Annual return | -2.61% | -10.81%+8.2pp | 3.34%-5.9pp | 1.58%-4.2pp |
| Employer contribution / active EE | $767 | $4,184-81.7% | $6,165-87.6% | $2,545-69.9% |
| Participant deferral / active EE | $4,500 | $6,645-32.3% | $8,363-46.2% | $4,238+6.2% |
| Admin fee / account holder | $1,036 | $630+64.3% | $11,613-91.1% | $594+74.5% |