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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 | $17,909 | $49,451-63.8% | $79,580-77.5% | $66,938-73.2% |
| Participation rate | 28.2% | 61.3%-33.2pp | 69.5%-41.3pp | 69.8%-41.6pp |
| Annual return | -18.33% | 84.25%-102.6pp | 0.15%-18.5pp | 1.58%-19.9pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $2,514 | $3,159-20.4% | $3,985-36.9% | $4,238-40.7% |
| Admin fee / account holder | $411 | $595-30.9% | $6,835-94.0% | $594-30.7% |