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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 | $19,403 | $77,817-75.1% | $123,553-84.3% | $64,173-69.8% |
| Participation rate | 50.8% | 74.7%-23.9pp | 82.3%-31.5pp | 69.6%-18.8pp |
| Annual return | -6.99% | 12.49%-19.5pp | 119.21%-126.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $557 | $3,014-81.5% | $4,628-88.0% | $2,381-76.6% |
| Participant deferral / active EE | $2,114 | $5,240-59.7% | $6,426-67.1% | $3,470-39.1% |
| Admin fee / account holder | $441 | $5,519-92.0% | $9,284-95.2% | $4,887-91.0% |