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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 | $10,292 | $65,703-84.3% | $94,224-89.1% | $59,632-82.7% |
| Participation rate | 31.4% | 72.1%-40.7pp | 78.8%-47.3pp | 68.7%-37.2pp |
| Annual return | 0.00% | 5.22%-5.2pp | 10.68%-10.7pp | 2041.32%-2041.3pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,983 | $3,143-36.9% | $4,320-54.1% | $3,192-37.9% |
| Admin fee / account holder | $1,180 | $4,264-72.3% | $6,269-81.2% | $4,297-72.5% |