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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 | $6,854 | $81,870-91.6% | $119,634-94.3% | $68,490-90.0% |
| Participation rate | 46.5% | 71.9%-25.4pp | 79.3%-32.8pp | 67.9%-21.4pp |
| Annual return | -12.68% | -23.82%+11.1pp | -14.98%+2.3pp | -7.85%-4.8pp |
| Employer contribution / active EE | $1,208 | $2,692-55.1% | $4,232-71.5% | $2,597-53.5% |
| Participant deferral / active EE | $1,513 | $4,148-63.5% | $5,601-73.0% | $4,028-62.4% |
| Admin fee / account holder | $437 | $6,583-93.4% | $10,329-95.8% | $5,403-91.9% |