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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 | $11,316 | $81,870-86.2% | $119,622-90.5% | $68,486-83.5% |
| Participation rate | 59.6% | 71.9%-12.3pp | 79.3%-19.6pp | 67.9%-8.3pp |
| Annual return | -11.10% | -23.82%+12.7pp | -14.98%+3.9pp | -7.85%-3.2pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,026 | $4,148-51.2% | $5,601-63.8% | $4,028-49.7% |
| Admin fee / account holder | $543 | $6,583-91.7% | $10,328-94.7% | $5,404-89.9% |