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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 | $9,232 | $53,412-82.7% | $68,509-86.5% | $52,331-82.4% |
| Participation rate | 48.6% | 71.7%-23.1pp | 74.7%-26.1pp | 68.1%-19.5pp |
| Annual return | -1.46% | 3.42%-4.9pp | 8.27%-9.7pp | 4.54%-6.0pp |
| Employer contribution / active EE | $350 | $1,607-78.2% | $2,278-84.6% | $1,882-81.4% |
| Participant deferral / active EE | $937 | $2,688-65.2% | $3,382-72.3% | $3,022-69.0% |
| Admin fee / account holder | $1,151 | $461+149.8% | $5,275-78.2% | $592+94.6% |