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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 | $15,020 | $71,878-79.1% | $86,698-82.7% | $68,486-78.1% |
| Participation rate | 40.7% | 72.2%-31.5pp | 76.6%-35.8pp | 67.9%-27.2pp |
| Annual return | -10.30% | 3.53%-13.8pp | 35.95%-46.2pp | -7.85%-2.4pp |
| Employer contribution / active EE | $1,664 | $2,173-23.4% | $2,837-41.3% | $2,597-35.9% |
| Participant deferral / active EE | $682 | $3,779-81.9% | $4,656-85.3% | $4,028-83.1% |
| Admin fee / account holder | $875 | $6,113-85.7% | $7,493-88.3% | $5,404-83.8% |