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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 | $22,309 | $65,704-66.0% | $94,229-76.3% | $59,633-62.6% |
| Participation rate | 44.1% | 72.1%-28.0pp | 78.8%-34.7pp | 68.7%-24.6pp |
| Annual return | -2.02% | 5.22%-7.2pp | 10.68%-12.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,306 | $3,143+5.2% | $4,320-23.5% | $3,192+3.6% |
| Admin fee / account holder | $370 | $4,265-91.3% | $6,269-94.1% | $4,297-91.4% |