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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 | $18,702 | $72,177-74.1% | $115,038-83.7% | $59,633-68.6% |
| Participation rate | 17.9% | 72.6%-54.6pp | 81.4%-63.5pp | 68.7%-50.8pp |
| Annual return | -1.55% | 12.02%-13.6pp | 26.14%-27.7pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,969 | $4,783-58.8% | $6,026-67.3% | $3,192-38.3% |
| Admin fee / account holder | $3,292 | $4,927-33.2% | $8,175-59.7% | $4,297-23.4% |