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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 | $21,116 | $61,660-65.8% | $80,022-73.6% | $64,173-67.1% |
| Participation rate | 55.9% | 71.7%-15.8pp | 75.8%-19.9pp | 69.6%-13.7pp |
| Annual return | -5.28% | -0.33%-4.9pp | 11.22%-16.5pp | 7.63%-12.9pp |
| Employer contribution / active EE | $0 | $1,810-100.0% | $2,468-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,213 | $2,968-25.4% | $3,686-40.0% | $3,470-36.2% |
| Admin fee / account holder | $375 | $5,417-93.1% | $6,521-94.2% | $4,887-92.3% |