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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 | $21,805 | $62,583-65.2% | $76,767-71.6% | $64,173-66.0% |
| Participation rate | 52.8% | 72.8%-20.0pp | 77.0%-24.2pp | 69.6%-16.8pp |
| Annual return | -2.44% | -1.95%-0.5pp | 2.43%-4.9pp | 7.63%-10.1pp |
| Employer contribution / active EE | $956 | $1,832-47.8% | $2,485-61.5% | $2,381-59.8% |
| Participant deferral / active EE | $1,363 | $3,145-56.7% | $3,852-64.6% | $3,470-60.7% |
| Admin fee / account holder | $1,994 | $4,667-57.3% | $6,675-70.1% | $4,887-59.2% |