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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 | $32,338 | $94,529-65.8% | $140,019-76.9% | $64,173-49.6% |
| Participation rate | 68.1% | 84.1%-16.0pp | 87.5%-19.4pp | 69.6%-1.5pp |
| Annual return | -6.61% | 7.77%-14.4pp | 651.15%-657.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,925 | $3,812-49.5% | $5,605-65.7% | $2,381-19.1% |
| Participant deferral / active EE | $1,078 | $5,250-79.5% | $6,927-84.4% | $3,470-68.9% |
| Admin fee / account holder | $2,009 | $6,741-70.2% | $10,705-81.2% | $4,887-58.9% |