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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 | $10,297 | $56,484-81.8% | $169,452-93.9% | $64,173-84.0% |
| Participation rate | 50.6% | 64.5%-14.0pp | 77.8%-27.2pp | 69.6%-19.0pp |
| Annual return | 0.00% | -1.55%+1.6pp | 1.83%-1.8pp | 7.63%-7.6pp |
| Employer contribution / active EE | $1,666 | $1,832-9.1% | $4,157-59.9% | $2,381-30.0% |
| Participant deferral / active EE | $672 | $3,448-80.5% | $5,277-87.3% | $3,470-80.6% |
| Admin fee / account holder | $507 | $4,174-87.9% | $9,110-94.4% | $4,887-89.6% |