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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 | $9,169 | $81,870-88.8% | $119,608-92.3% | $68,495-86.6% |
| Participation rate | 39.0% | 71.9%-32.9pp | 79.3%-40.3pp | 67.9%-28.9pp |
| Annual return | -0.39% | -23.82%+23.4pp | -14.98%+14.6pp | -7.84%+7.4pp |
| Employer contribution / active EE | $845 | $2,692-68.6% | $4,232-80.0% | $2,596-67.5% |
| Participant deferral / active EE | $1,520 | $4,148-63.3% | $5,601-72.9% | $4,028-62.3% |
| Admin fee / account holder | $508 | $6,583-92.3% | $10,326-95.1% | $5,403-90.6% |