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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 | $14,138 | $100,792-86.0% | $86,691-83.7% | $134,509-89.5% |
| Participation rate | 60.0% | 78.9%-18.9pp | 76.6%-16.6pp | 81.2%-21.2pp |
| Annual return | -18.03% | 29.08%-47.1pp | 35.94%-54.0pp | 418.13%-436.2pp |
| Employer contribution / active EE | $1,427 | $3,491-59.1% | $2,837-49.7% | $4,741-69.9% |
| Participant deferral / active EE | $1,581 | $5,339-70.4% | $4,656-66.1% | $6,400-75.3% |
| Admin fee / account holder | $1,226 | $10,924-88.8% | $7,492-83.6% | $11,427-89.3% |