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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 | $8,157 | $59,116-86.2% | $86,438-90.6% | $68,486-88.1% |
| Participation rate | 57.0% | 75.2%-18.3pp | 80.3%-23.4pp | 67.9%-10.9pp |
| Annual return | -11.53% | -0.23%-11.3pp | 4397.19%-4408.7pp | -7.85%-3.7pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,769-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,335 | $5,902-43.5% | $6,952-52.0% | $4,028-17.2% |
| Admin fee / account holder | $1,328 | $5,639-76.4% | $6,733-80.3% | $5,404-75.4% |