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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 | $16,647 | $65,704-74.7% | $94,229-82.3% | $59,633-72.1% |
| Participation rate | 19.4% | 72.1%-52.8pp | 78.8%-59.4pp | 68.7%-49.3pp |
| Annual return | -0.44% | 5.22%-5.7pp | 10.68%-11.1pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $504 | $2,021-75.0% | $3,587-85.9% | $2,203-77.1% |
| Participant deferral / active EE | $967 | $3,143-69.2% | $4,320-77.6% | $3,192-69.7% |
| Admin fee / account holder | $3,162 | $4,265-25.9% | $6,269-49.6% | $4,297-26.4% |