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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 | $14,752 | $77,817-81.0% | $123,553-88.1% | $64,173-77.0% |
| Participation rate | 42.5% | 74.7%-32.2pp | 82.3%-39.8pp | 69.6%-27.1pp |
| Annual return | -2.38% | 12.49%-14.9pp | 119.21%-121.6pp | 7.63%-10.0pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,255 | $5,240-57.0% | $6,426-64.9% | $3,470-35.0% |
| Admin fee / account holder | $7,959 | $5,519+44.2% | $9,284-14.3% | $4,887+62.9% |