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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 | $10,136 | $72,177-86.0% | $115,038-91.2% | $59,633-83.0% |
| Participation rate | 68.6% | 72.6%-4.0pp | 81.4%-12.8pp | 68.7%-0.1pp |
| Annual return | -1.92% | 12.02%-13.9pp | 26.14%-28.1pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $1,869 | $2,841-34.2% | $4,608-59.4% | $2,203-15.2% |
| Participant deferral / active EE | $0 | $4,783-100.0% | $6,026-100.0% | $3,192-100.0% |
| Admin fee / account holder | $1,511 | $4,927-69.3% | $8,175-81.5% | $4,297-64.8% |