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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 | $19,543 | $81,870-76.1% | $119,622-83.7% | $68,486-71.5% |
| Participation rate | 41.5% | 71.9%-30.4pp | 79.3%-37.8pp | 67.9%-26.4pp |
| Annual return | -18.28% | -23.82%+5.5pp | -14.98%-3.3pp | -7.85%-10.4pp |
| Employer contribution / active EE | $947 | $2,692-64.8% | $4,232-77.6% | $2,597-63.5% |
| Participant deferral / active EE | $1,073 | $4,148-74.1% | $5,601-80.8% | $4,028-73.4% |
| Admin fee / account holder | $1,854 | $6,583-71.8% | $10,328-82.0% | $5,404-65.7% |