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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 | $26,560 | $140,592-81.1% | $123,105-78.4% | $125,389-78.8% |
| Participation rate | 66.7% | 88.2%-21.5pp | 86.8%-20.1pp | 83.2%-16.5pp |
| Annual return | -2.98% | 16.80%-19.8pp | 13.22%-16.2pp | 282.24%-285.2pp |
| Employer contribution / active EE | $1,474 | $6,041-75.6% | $5,151-71.4% | $4,866-69.7% |
| Participant deferral / active EE | $2,197 | $6,980-68.5% | $6,229-64.7% | $5,352-59.0% |
| Admin fee / account holder | $424 | $11,198-96.2% | $9,014-95.3% | $9,541-95.6% |