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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 | $8,560 | $65,083-86.8% | $143,788-94.0% | $66,930-87.2% |
| Participation rate | 26.6% | 65.2%-38.6pp | 80.3%-53.7pp | 69.8%-43.2pp |
| Annual return | 6.36% | -11.13%+17.5pp | -0.03%+6.4pp | 1.57%+4.8pp |
| Employer contribution / active EE | $0 | $2,361-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,029 | $2,920-64.7% | $5,638-81.7% | $4,238-75.7% |
| Admin fee / account holder | $342 | $502-32.0% | $14,675-97.7% | $593-42.4% |