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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 | $15,586 | $65,703-76.3% | $94,228-83.5% | $59,633-73.9% |
| Participation rate | 16.3% | 72.1%-55.8pp | 78.8%-62.4pp | 68.7%-52.3pp |
| Annual return | -2.19% | 5.22%-7.4pp | 10.68%-12.9pp | 2041.40%-2043.6pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $946 | $3,143-69.9% | $4,320-78.1% | $3,192-70.4% |
| Admin fee / account holder | $1,514 | $4,264-64.5% | $6,269-75.8% | $4,297-64.8% |