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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 | $17,743 | $71,480-75.2% | $90,782-80.5% | $64,173-72.4% |
| Participation rate | 43.1% | 77.6%-34.5pp | 82.7%-39.6pp | 69.6%-26.5pp |
| Annual return | -4.83% | -4.25%-0.6pp | -3.42%-1.4pp | 7.63%-12.5pp |
| Employer contribution / active EE | $0 | $3,415-100.0% | $4,105-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,948 | $4,302-31.5% | $5,366-45.1% | $3,470-15.0% |
| Admin fee / account holder | $343 | $6,309-94.6% | $5,908-94.2% | $4,887-93.0% |