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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 | $17,997 | $92,219-80.5% | $76,768-76.6% | $135,379-86.7% |
| Participation rate | 66.7% | 79.8%-13.1pp | 77.0%-10.3pp | 82.6%-16.0pp |
| Annual return | -6.22% | 5.46%-11.7pp | 2.43%-8.6pp | 519.79%-526.0pp |
| Employer contribution / active EE | $428 | $3,216-86.7% | $2,485-82.8% | $4,779-91.0% |
| Participant deferral / active EE | $1,880 | $4,508-58.3% | $3,852-51.2% | $5,609-66.5% |
| Admin fee / account holder | $2,603 | $10,749-75.8% | $6,675-61.0% | $10,828-76.0% |