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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 | $9,396 | $67,411-86.1% | $91,004-89.7% | $70,126-86.6% |
| Participation rate | 42.5% | 71.4%-28.9pp | 75.6%-33.1pp | 69.5%-27.0pp |
| Annual return | 17.94% | -40.16%+58.1pp | 4.60%+13.3pp | 73.15%-55.2pp |
| Employer contribution / active EE | $282 | $1,786-84.2% | $2,456-88.5% | $2,343-88.0% |
| Participant deferral / active EE | $1,465 | $2,823-48.1% | $3,548-58.7% | $3,332-56.0% |
| Admin fee / account holder | $2,596 | $4,236-38.7% | $5,417-52.1% | $4,645-44.1% |