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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 | $7,730 | $131,835-94.1% | $108,582-92.9% | $273,972-97.2% |
| Participation rate | 46.7% | 83.5%-36.8pp | 79.6%-32.9pp | 83.0%-36.3pp |
| Annual return | 10.26% | -91.57%+101.8pp | -51.70%+62.0pp | 41.46%-31.2pp |
| Employer contribution / active EE | $912 | $4,913-81.4% | $3,758-75.7% | $4,869-81.3% |
| Participant deferral / active EE | $1,316 | $5,127-74.3% | $4,311-69.5% | $5,287-75.1% |
| Admin fee / account holder | $636 | $10,253-93.8% | $7,645-91.7% | $10,133-93.7% |