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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 | $16,097 | $61,660-73.9% | $80,022-79.9% | $64,173-74.9% |
| Participation rate | 51.1% | 71.7%-20.6pp | 75.8%-24.7pp | 69.6%-18.5pp |
| Annual return | -6.64% | -0.33%-6.3pp | 11.22%-17.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $813 | $1,810-55.1% | $2,468-67.1% | $2,381-65.9% |
| Participant deferral / active EE | $1,059 | $2,968-64.3% | $3,686-71.3% | $3,470-69.5% |
| Admin fee / account holder | $1,238 | $5,417-77.1% | $6,521-81.0% | $4,887-74.7% |