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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 | $22,214 | $113,941-80.5% | $94,228-76.4% | $125,388-82.3% |
| Participation rate | 60.0% | 82.9%-22.9pp | 78.8%-18.8pp | 83.2%-23.2pp |
| Annual return | -3.35% | 5.29%-8.6pp | 10.68%-14.0pp | 282.24%-285.6pp |
| Employer contribution / active EE | $626 | $4,727-86.8% | $3,587-82.5% | $4,866-87.1% |
| Participant deferral / active EE | $5,876 | $5,179+13.5% | $4,320+36.0% | $5,352+9.8% |
| Admin fee / account holder | $1,634 | $8,392-80.5% | $6,269-73.9% | $9,541-82.9% |