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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 | $11,523 | $56,339-79.5% | $104,299-89.0% | $68,490-83.2% |
| Participation rate | 45.3% | 63.3%-18.0pp | 73.3%-28.0pp | 67.9%-22.6pp |
| Annual return | -14.99% | -9.19%-5.8pp | 24.62%-39.6pp | -7.85%-7.1pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,260 | $3,077-26.6% | $4,626-51.1% | $4,028-43.9% |
| Admin fee / account holder | $495 | $4,902-89.9% | $7,339-93.2% | $5,403-90.8% |