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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 | $19,240 | $59,191-67.5% | $76,767-74.9% | $56,289-65.8% |
| Participation rate | 52.3% | 75.2%-22.9pp | 77.0%-24.7pp | 69.9%-17.6pp |
| Annual return | -3.34% | 6.62%-10.0pp | 2.43%-5.8pp | -9.96%+6.6pp |
| Employer contribution / active EE | $700 | $1,759-60.2% | $2,485-71.8% | $2,111-66.8% |
| Participant deferral / active EE | $1,513 | $3,255-53.5% | $3,852-60.7% | $3,350-54.8% |
| Admin fee / account holder | $907 | $489+85.3% | $6,675-86.4% | $521+74.0% |