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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 | $18,541 | $54,380-65.9% | $68,509-72.9% | $59,633-68.9% |
| Participation rate | 44.3% | 70.2%-25.9pp | 74.7%-30.4pp | 68.7%-24.4pp |
| Annual return | -2.11% | 2.83%-4.9pp | 8.27%-10.4pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $762 | $1,539-50.5% | $2,278-66.5% | $2,203-65.4% |
| Participant deferral / active EE | $1,025 | $2,643-61.2% | $3,382-69.7% | $3,192-67.9% |
| Admin fee / account holder | $635 | $3,885-83.7% | $5,275-88.0% | $4,297-85.2% |