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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 | $9,210 | $73,848-87.5% | $143,799-93.6% | $68,486-86.6% |
| Participation rate | 46.7% | 66.7%-20.0pp | 80.3%-33.6pp | 67.9%-21.2pp |
| Annual return | -18.58% | 0.91%-19.5pp | -0.04%-18.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $650 | $3,184-79.6% | $4,952-86.9% | $2,597-75.0% |
| Participant deferral / active EE | $500 | $3,385-85.2% | $5,638-91.1% | $4,028-87.6% |
| Admin fee / account holder | $376 | $5,755-93.5% | $14,677-97.4% | $5,404-93.0% |