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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 | $10,981 | $77,816-85.9% | $123,552-91.1% | $64,173-82.9% |
| Participation rate | 46.2% | 74.7%-28.6pp | 82.3%-36.1pp | 69.6%-23.4pp |
| Annual return | -6.26% | 12.49%-18.7pp | 119.20%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $888 | $3,014-70.5% | $4,628-80.8% | $2,381-62.7% |
| Participant deferral / active EE | $1,540 | $5,240-70.6% | $6,426-76.0% | $3,470-55.6% |
| Admin fee / account holder | $764 | $5,519-86.1% | $9,285-91.8% | $4,887-84.4% |