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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 | $13,583 | $81,870-83.4% | $119,622-88.6% | $68,486-80.2% |
| Participation rate | 55.9% | 71.9%-16.0pp | 79.3%-23.4pp | 67.9%-12.0pp |
| Annual return | -16.09% | -23.82%+7.7pp | -14.98%-1.1pp | -7.85%-8.2pp |
| Employer contribution / active EE | $680 | $2,692-74.7% | $4,232-83.9% | $2,597-73.8% |
| Participant deferral / active EE | $2,190 | $4,148-47.2% | $5,601-60.9% | $4,028-45.6% |
| Admin fee / account holder | $318 | $6,583-95.2% | $10,328-96.9% | $5,404-94.1% |