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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 | $16,260 | $112,300-85.5% | $90,223-82.0% | $125,389-87.0% |
| Participation rate | 42.1% | 82.9%-40.8pp | 79.0%-36.9pp | 83.2%-41.1pp |
| Annual return | -3.79% | -0.57%-3.2pp | 1.31%-5.1pp | 282.24%-286.0pp |
| Employer contribution / active EE | $684 | $5,181-86.8% | $4,378-84.4% | $4,866-86.0% |
| Participant deferral / active EE | $3,645 | $6,733-45.9% | $5,792-37.1% | $5,352-31.9% |
| Admin fee / account holder | $454 | $10,990-95.9% | $7,406-93.9% | $9,541-95.2% |