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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 | $17,920 | $77,817-77.0% | $123,553-85.5% | $64,173-72.1% |
| Participation rate | 64.6% | 74.7%-10.1pp | 82.3%-17.7pp | 69.6%-5.0pp |
| Annual return | -5.55% | 12.49%-18.0pp | 119.21%-124.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $650 | $3,014-78.4% | $4,628-86.0% | $2,381-72.7% |
| Participant deferral / active EE | $1,665 | $5,240-68.2% | $6,426-74.1% | $3,470-52.0% |
| Admin fee / account holder | $10,333 | $5,519+87.2% | $9,284+11.3% | $4,887+111.4% |