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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 | $13,224 | $86,701-84.7% | $73,309-82.0% | $125,388-89.5% |
| Participation rate | 28.6% | 78.6%-50.0pp | 74.9%-46.3pp | 83.2%-54.6pp |
| Annual return | -0.35% | 2.78%-3.1pp | 5.67%-6.0pp | 282.24%-282.6pp |
| Employer contribution / active EE | $440 | $4,152-89.4% | $3,237-86.4% | $4,866-91.0% |
| Participant deferral / active EE | $833 | $5,549-85.0% | $4,991-83.3% | $5,352-84.4% |
| Admin fee / account holder | $1,571 | $7,768-79.8% | $5,635-72.1% | $9,541-83.5% |