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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 | $4,825 | $71,873-93.3% | $86,698-94.4% | $68,490-93.0% |
| Participation rate | 55.1% | 72.2%-17.1pp | 76.6%-21.5pp | 67.9%-12.8pp |
| Annual return | -11.66% | 3.54%-15.2pp | 35.96%-47.6pp | -7.85%-3.8pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,833 | $3,779-51.5% | $4,656-60.6% | $4,028-54.5% |
| Admin fee / account holder | $827 | $6,110-86.5% | $7,492-89.0% | $5,403-84.7% |