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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 | $2,847 | $48,235-94.1% | $68,803-95.9% | $68,490-95.8% |
| Participation rate | 32.4% | 60.7%-28.2pp | 69.0%-36.6pp | 67.9%-35.5pp |
| Annual return | 0.00% | -12.70%+12.7pp | -6.37%+6.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $354 | $1,829-80.6% | $2,656-86.7% | $2,597-86.4% |
| Participant deferral / active EE | $837 | $2,867-70.8% | $3,942-78.8% | $4,028-79.2% |
| Admin fee / account holder | $415 | $4,361-90.5% | $4,936-91.6% | $5,403-92.3% |