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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 | $5,968 | $61,755-90.3% | $97,161-93.9% | $80,911-92.6% |
| Participation rate | 38.7% | 63.5%-24.8pp | 72.7%-34.0pp | 67.6%-28.9pp |
| Annual return | 11.71% | -557.90%+569.6pp | 75.36%-63.6pp | 35.63%-23.9pp |
| Employer contribution / active EE | $0 | $1,835-100.0% | $2,723-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,543 | $3,026-49.0% | $4,265-63.8% | $4,297-64.1% |
| Admin fee / account holder | $1,528 | $5,166-70.4% | $5,647-72.9% | $6,935-78.0% |