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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 | $21,894 | $62,586-65.0% | $76,766-71.5% | $64,181-65.9% |
| Participation rate | 53.6% | 72.8%-19.2pp | 77.0%-23.4pp | 69.6%-16.0pp |
| Annual return | -5.83% | -1.95%-3.9pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $622 | $1,832-66.0% | $2,485-75.0% | $2,381-73.9% |
| Participant deferral / active EE | $856 | $3,145-72.8% | $3,851-77.8% | $3,470-75.3% |
| Admin fee / account holder | $846 | $4,667-81.9% | $6,675-87.3% | $4,887-82.7% |