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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $20,803 | $73,102-71.5% | $123,553-83.2% | $56,289-63.0% |
| Participation rate | 31.9% | 74.3%-42.5pp | 82.3%-50.4pp | 69.9%-38.0pp |
| Annual return | -1.27% | 3.01%-4.3pp | 119.21%-120.5pp | -9.96%+8.7pp |
| Employer contribution / active EE | $898 | $2,977-69.8% | $4,628-80.6% | $2,111-57.5% |
| Participant deferral / active EE | $2,058 | $5,423-62.1% | $6,426-68.0% | $3,350-38.6% |
| Admin fee / account holder | $4,410 | $554+696.4% | $9,284-52.5% | $521+746.4% |