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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 | $15,959 | $52,678-69.7% | $75,784-78.9% | $59,633-73.2% |
| Participation rate | 33.3% | 67.2%-33.9pp | 75.8%-42.5pp | 68.7%-35.3pp |
| Annual return | -2.47% | 2.95%-5.4pp | 9.68%-12.2pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $451 | $2,193-79.5% | $3,323-86.4% | $2,203-79.5% |
| Participant deferral / active EE | $527 | $2,591-79.7% | $3,652-85.6% | $3,192-83.5% |
| Admin fee / account holder | $786 | $3,610-78.2% | $5,300-85.2% | $4,297-81.7% |