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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 | $23,809 | $65,704-63.8% | $94,229-74.7% | $59,633-60.1% |
| Participation rate | 38.7% | 72.1%-33.4pp | 78.8%-40.1pp | 68.7%-30.0pp |
| Annual return | -1.77% | 5.22%-7.0pp | 10.68%-12.5pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $708 | $2,021-65.0% | $3,587-80.3% | $2,203-67.9% |
| Participant deferral / active EE | $1,002 | $3,143-68.1% | $4,320-76.8% | $3,192-68.6% |
| Admin fee / account holder | $2,782 | $4,265-34.8% | $6,269-55.6% | $4,297-35.2% |