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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 | $14,737 | $52,836-72.1% | $105,736-86.1% | $64,173-77.0% |
| Participation rate | 39.3% | 66.5%-27.3pp | 76.3%-37.0pp | 69.6%-30.3pp |
| Annual return | -6.55% | 14.30%-20.8pp | 6.27%-12.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $611 | $1,827-66.5% | $3,268-81.3% | $2,381-74.3% |
| Participant deferral / active EE | $686 | $2,545-73.0% | $4,080-83.2% | $3,470-80.2% |
| Admin fee / account holder | $3,949 | $3,959-0.2% | $6,913-42.9% | $4,887-19.2% |