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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 | $8,784 | $71,873-87.8% | $86,698-89.9% | $68,490-87.2% |
| Participation rate | 54.8% | 72.2%-17.4pp | 76.6%-21.8pp | 67.9%-13.1pp |
| Annual return | -16.15% | 3.54%-19.7pp | 35.96%-52.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $923 | $2,173-57.5% | $2,837-67.5% | $2,597-64.4% |
| Participant deferral / active EE | $1,467 | $3,779-61.2% | $4,656-68.5% | $4,028-63.6% |
| Admin fee / account holder | $5,280 | $6,110-13.6% | $7,492-29.5% | $5,403-2.3% |