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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 | $17,665 | $72,177-75.5% | $115,038-84.6% | $59,633-70.4% |
| Participation rate | 53.6% | 72.6%-19.0pp | 81.4%-27.8pp | 68.7%-15.1pp |
| Annual return | -1.57% | 12.02%-13.6pp | 26.14%-27.7pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $1,252 | $2,841-55.9% | $4,608-72.8% | $2,203-43.2% |
| Participant deferral / active EE | $1,927 | $4,783-59.7% | $6,026-68.0% | $3,192-39.6% |
| Admin fee / account holder | $521 | $4,927-89.4% | $8,175-93.6% | $4,297-87.9% |