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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 | $17,085 | $71,873-76.2% | $86,698-80.3% | $68,490-75.1% |
| Participation rate | 36.5% | 72.2%-35.7pp | 76.6%-40.1pp | 67.9%-31.4pp |
| Annual return | 0.00% | 3.54%-3.5pp | 35.96%-36.0pp | -7.85%+7.9pp |
| Employer contribution / active EE | $399 | $2,173-81.6% | $2,837-85.9% | $2,597-84.6% |
| Participant deferral / active EE | $2,258 | $3,779-40.2% | $4,656-51.5% | $4,028-43.9% |
| Admin fee / account holder | $1,724 | $6,110-71.8% | $7,492-77.0% | $5,403-68.1% |