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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 | $9,168 | $52,911-82.7% | $73,309-87.5% | $59,633-84.6% |
| Participation rate | 51.9% | 68.2%-16.4pp | 74.9%-23.1pp | 68.7%-16.8pp |
| Annual return | -1.62% | 12.20%-13.8pp | 5.67%-7.3pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $320 | $1,909-83.2% | $3,237-90.1% | $2,203-85.5% |
| Participant deferral / active EE | $796 | $4,069-80.4% | $4,991-84.1% | $3,192-75.1% |
| Admin fee / account holder | $519 | $3,835-86.5% | $5,635-90.8% | $4,297-87.9% |