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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 | $13,770 | $50,947-73.0% | $74,549-81.5% | $64,173-78.5% |
| Participation rate | 38.6% | 61.1%-22.5pp | 69.1%-30.6pp | 69.6%-31.0pp |
| Annual return | -2.51% | -1.85%-0.7pp | 32.53%-35.0pp | 7.63%-10.1pp |
| Employer contribution / active EE | $645 | $1,115-42.2% | $1,961-67.1% | $2,381-72.9% |
| Participant deferral / active EE | $956 | $2,302-58.4% | $3,108-69.2% | $3,470-72.4% |
| Admin fee / account holder | $1,699 | $4,221-59.7% | $5,059-66.4% | $4,887-65.2% |