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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 | $13,650 | $95,404-85.7% | $113,397-88.0% | $82,637-83.5% |
| Participation rate | 59.5% | 72.8%-13.3pp | 76.5%-17.0pp | 68.1%-8.6pp |
| Annual return | 0.00% | 19.08%-19.1pp | 23.20%-23.2pp | 53.51%-53.5pp |
| Employer contribution / active EE | $976 | $2,307-57.7% | $2,977-67.2% | $2,552-61.8% |
| Participant deferral / active EE | $1,912 | $4,220-54.7% | $5,076-62.3% | $4,126-53.7% |
| Admin fee / account holder | $1,936 | $9,168-78.9% | $11,957-83.8% | $7,339-73.6% |