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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 | $12,063 | $58,587-79.4% | $83,322-85.5% | $64,173-81.2% |
| Participation rate | 58.1% | 72.0%-13.9pp | 77.8%-19.6pp | 69.6%-11.5pp |
| Annual return | -6.75% | 9.65%-16.4pp | 10.64%-17.4pp | 7.63%-14.4pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,644 | $4,654-64.7% | $5,565-70.5% | $3,470-52.6% |
| Admin fee / account holder | $472 | $9,279-94.9% | $7,540-93.7% | $4,887-90.3% |