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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 | $12,730 | $77,817-83.6% | $123,553-89.7% | $64,173-80.2% |
| Participation rate | 60.0% | 74.7%-14.7pp | 82.3%-22.3pp | 69.6%-9.6pp |
| Annual return | -5.26% | 12.49%-17.7pp | 119.21%-124.5pp | 7.63%-12.9pp |
| Employer contribution / active EE | $1,093 | $3,014-63.7% | $4,628-76.4% | $2,381-54.1% |
| Participant deferral / active EE | $1,680 | $5,240-67.9% | $6,426-73.9% | $3,470-51.6% |
| Admin fee / account holder | $339 | $5,519-93.9% | $9,284-96.4% | $4,887-93.1% |