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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 | $15,423 | $72,177-78.6% | $115,038-86.6% | $59,633-74.1% |
| Participation rate | 58.8% | 72.6%-13.7pp | 81.4%-22.5pp | 68.7%-9.8pp |
| Annual return | -1.03% | 12.02%-13.0pp | 26.14%-27.2pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $678 | $2,841-76.1% | $4,608-85.3% | $2,203-69.2% |
| Participant deferral / active EE | $724 | $4,783-84.9% | $6,026-88.0% | $3,192-77.3% |
| Admin fee / account holder | $666 | $4,927-86.5% | $8,175-91.8% | $4,297-84.5% |