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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 | $8,659 | $69,977-87.6% | $108,582-92.0% | $62,881-86.2% |
| Participation rate | 64.3% | 72.9%-8.6pp | 79.6%-15.3pp | 69.3%-5.0pp |
| Annual return | 6.04% | 10.73%-4.7pp | -51.70%+57.7pp | 20.14%-14.1pp |
| Employer contribution / active EE | $1,099 | $2,135-48.5% | $3,758-70.8% | $2,281-51.8% |
| Participant deferral / active EE | $1,383 | $3,165-56.3% | $4,311-67.9% | $3,203-56.8% |
| Admin fee / account holder | $1,986 | $5,076-60.9% | $7,645-74.0% | $4,296-53.8% |