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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 | $14,212 | $50,947-72.1% | $74,551-80.9% | $64,173-77.9% |
| Participation rate | 46.6% | 61.1%-14.5pp | 69.1%-22.6pp | 69.6%-23.0pp |
| Annual return | -7.80% | -1.85%-5.9pp | 32.53%-40.3pp | 7.63%-15.4pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,771 | $2,302+20.4% | $3,108-10.9% | $3,470-20.1% |
| Admin fee / account holder | $2,754 | $4,221-34.8% | $5,059-45.6% | $4,887-43.7% |