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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 | $8,497 | $65,125-87.0% | $143,797-94.1% | $66,949-87.3% |
| Participation rate | 31.3% | 65.2%-34.0pp | 80.3%-49.1pp | 69.8%-38.6pp |
| Annual return | -15.95% | -11.13%-4.8pp | -0.04%-15.9pp | 1.57%-17.5pp |
| Employer contribution / active EE | $155 | $2,362-93.4% | $4,952-96.9% | $2,545-93.9% |
| Participant deferral / active EE | $1,124 | $2,920-61.5% | $5,638-80.1% | $4,239-73.5% |
| Admin fee / account holder | $778 | $503+54.8% | $14,679-94.7% | $594+31.1% |