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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 | $12,983 | $52,678-75.4% | $75,784-82.9% | $59,633-78.2% |
| Participation rate | 40.5% | 67.2%-26.7pp | 75.8%-35.3pp | 68.7%-28.2pp |
| Annual return | -1.46% | 2.95%-4.4pp | 9.68%-11.1pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $661 | $2,591-74.5% | $3,652-81.9% | $3,192-79.3% |
| Admin fee / account holder | $824 | $3,610-77.2% | $5,300-84.5% | $4,297-80.8% |