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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 | $6,712 | $64,719-89.6% | $112,249-94.0% | $68,486-90.2% |
| Participation rate | 68.2% | 67.2%+1.0pp | 75.1%-6.9pp | 67.9%+0.3pp |
| Annual return | -18.40% | -11.40%-7.0pp | 27.48%-45.9pp | -7.85%-10.5pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,827 | $3,565-20.7% | $4,729-40.2% | $4,028-29.8% |
| Admin fee / account holder | $753 | $5,232-85.6% | $6,412-88.3% | $5,404-86.1% |