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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 | $11,580 | $73,102-84.2% | $123,553-90.6% | $56,289-79.4% |
| Participation rate | 56.3% | 74.3%-18.0pp | 82.3%-26.0pp | 69.9%-13.5pp |
| Annual return | -4.08% | 3.01%-7.1pp | 119.21%-123.3pp | -9.96%+5.9pp |
| Employer contribution / active EE | $2,338 | $2,977-21.5% | $4,628-49.5% | $2,111+10.7% |
| Participant deferral / active EE | $1,107 | $5,423-79.6% | $6,426-82.8% | $3,350-67.0% |
| Admin fee / account holder | $1,200 | $554+116.6% | $9,284-87.1% | $521+130.3% |