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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 | $20,760 | $71,873-71.1% | $86,698-76.1% | $68,490-69.7% |
| Participation rate | 34.6% | 72.2%-37.6pp | 76.6%-42.0pp | 67.9%-33.3pp |
| Annual return | -18.45% | 3.54%-22.0pp | 35.96%-54.4pp | -7.85%-10.6pp |
| Employer contribution / active EE | $767 | $2,173-64.7% | $2,837-72.9% | $2,597-70.4% |
| Participant deferral / active EE | $1,025 | $3,779-72.9% | $4,656-78.0% | $4,028-74.5% |
| Admin fee / account holder | $367 | $6,110-94.0% | $7,492-95.1% | $5,403-93.2% |