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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 | $19,320 | $77,817-75.2% | $123,553-84.4% | $64,173-69.9% |
| Participation rate | 52.6% | 74.7%-22.1pp | 82.3%-29.7pp | 69.6%-16.9pp |
| Annual return | -4.72% | 12.49%-17.2pp | 119.21%-123.9pp | 7.63%-12.4pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $14,353 | $5,240+173.9% | $6,426+123.4% | $3,470+313.7% |
| Admin fee / account holder | $10,939 | $5,519+98.2% | $9,284+17.8% | $4,887+123.8% |