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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 | $13,314 | $110,083-87.9% | $151,639-91.2% | $68,486-80.6% |
| Participation rate | 57.1% | 84.0%-26.8pp | 87.5%-30.3pp | 67.9%-10.8pp |
| Annual return | -14.43% | -10.12%-4.3pp | 3.34%-17.8pp | -7.85%-6.6pp |
| Employer contribution / active EE | $1,520 | $4,470-66.0% | $6,165-75.3% | $2,597-41.5% |
| Participant deferral / active EE | $2,637 | $6,526-59.6% | $8,363-68.5% | $4,028-34.5% |
| Admin fee / account holder | $1,003 | $7,718-87.0% | $11,613-91.4% | $5,404-81.4% |