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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 | $6,694 | $42,383-84.2% | $76,518-91.3% | $64,173-89.6% |
| Participation rate | 17.4% | 58.1%-40.7pp | 68.0%-50.6pp | 69.6%-52.1pp |
| Annual return | -0.45% | -16.54%+16.1pp | -0.27%-0.2pp | 7.63%-8.1pp |
| Employer contribution / active EE | $264 | $1,563-83.1% | $2,647-90.0% | $2,381-88.9% |
| Participant deferral / active EE | $418 | $2,566-83.7% | $3,836-89.1% | $3,470-88.0% |
| Admin fee / account holder | $748 | $3,198-76.6% | $4,849-84.6% | $4,887-84.7% |