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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 | $7,722 | $73,863-89.5% | $143,797-94.6% | $68,490-88.7% |
| Participation rate | 41.2% | 66.7%-25.5pp | 80.3%-39.1pp | 67.9%-26.7pp |
| Annual return | -8.30% | 0.91%-9.2pp | -0.04%-8.3pp | -7.85%-0.4pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,100 | $3,385-38.0% | $5,638-62.8% | $4,028-47.9% |
| Admin fee / account holder | $531 | $5,756-90.8% | $14,679-96.4% | $5,403-90.2% |