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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 | $17,720 | $82,674-78.6% | $125,363-85.9% | $68,495-74.1% |
| Participation rate | 46.0% | 75.0%-29.0pp | 82.4%-36.4pp | 67.9%-21.9pp |
| Annual return | -18.09% | -5.97%-12.1pp | 572.15%-590.2pp | -7.84%-10.2pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,464 | $6,111-43.3% | $7,447-53.5% | $4,028-14.0% |
| Admin fee / account holder | $2,238 | $6,276-64.3% | $10,005-77.6% | $5,403-58.6% |