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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 | $15,820 | $79,633-80.1% | $93,759-83.1% | $68,495-76.9% |
| Participation rate | 46.6% | 75.4%-28.8pp | 81.0%-34.4pp | 67.9%-21.3pp |
| Annual return | -6.67% | -0.10%-6.6pp | -11.33%+4.7pp | -7.84%+1.2pp |
| Employer contribution / active EE | $430 | $3,665-88.3% | $4,324-90.1% | $2,596-83.4% |
| Participant deferral / active EE | $2,515 | $5,158-51.2% | $6,096-58.7% | $4,028-37.6% |
| Admin fee / account holder | $1,343 | $6,871-80.5% | $7,197-81.3% | $5,403-75.2% |