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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 | $18,202 | $77,816-76.6% | $123,549-85.3% | $64,181-71.6% |
| Participation rate | 26.6% | 74.7%-48.1pp | 82.3%-55.7pp | 69.6%-43.0pp |
| Annual return | -8.10% | 12.49%-20.6pp | 119.20%-127.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $599 | $3,014-80.1% | $4,628-87.1% | $2,381-74.9% |
| Participant deferral / active EE | $1,099 | $5,240-79.0% | $6,426-82.9% | $3,470-68.3% |
| Admin fee / account holder | $722 | $5,519-86.9% | $9,284-92.2% | $4,887-85.2% |