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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 | $16,546 | $72,177-77.1% | $115,038-85.6% | $59,633-72.3% |
| Participation rate | 37.9% | 72.6%-34.6pp | 81.4%-43.4pp | 68.7%-30.7pp |
| Annual return | -1.74% | 12.02%-13.8pp | 26.14%-27.9pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $1,323 | $2,841-53.4% | $4,608-71.3% | $2,203-39.9% |
| Participant deferral / active EE | $1,880 | $4,783-60.7% | $6,026-68.8% | $3,192-41.1% |
| Admin fee / account holder | $3,415 | $4,927-30.7% | $8,175-58.2% | $4,297-20.5% |