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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 | $10,642 | $39,132-72.8% | $57,196-81.4% | $62,881-83.1% |
| Participation rate | 37.1% | 70.5%-33.3pp | 75.3%-38.2pp | 69.3%-32.2pp |
| Annual return | 0.00% | 9.24%-9.2pp | 14.59%-14.6pp | 20.14%-20.1pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,683-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $918 | $2,374-61.3% | $3,096-70.3% | $3,203-71.3% |
| Admin fee / account holder | $1,976 | $2,594-23.8% | $3,141-37.1% | $4,296-54.0% |