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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 | $26,044 | $110,083-76.3% | $151,645-82.8% | $68,490-62.0% |
| Participation rate | 60.8% | 84.0%-23.2pp | 87.5%-26.7pp | 67.9%-7.1pp |
| Annual return | -13.99% | -10.12%-3.9pp | 3.34%-17.3pp | -7.85%-6.1pp |
| Employer contribution / active EE | $1,149 | $4,470-74.3% | $6,165-81.4% | $2,597-55.8% |
| Participant deferral / active EE | $3,786 | $6,526-42.0% | $8,363-54.7% | $4,028-6.0% |
| Admin fee / account holder | $1,386 | $7,718-82.0% | $11,614-88.1% | $5,403-74.4% |