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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 | $15,958 | $69,977-77.2% | $108,582-85.3% | $62,881-74.6% |
| Participation rate | 32.8% | 72.9%-40.1pp | 79.6%-46.8pp | 69.3%-36.5pp |
| Annual return | 5.43% | 10.73%-5.3pp | -51.70%+57.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,353 | $2,135-36.6% | $3,758-64.0% | $2,281-40.7% |
| Participant deferral / active EE | $715 | $3,165-77.4% | $4,311-83.4% | $3,203-77.7% |
| Admin fee / account holder | $993 | $5,076-80.4% | $7,645-87.0% | $4,296-76.9% |