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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 | $16,551 | $50,947-67.5% | $74,549-77.8% | $64,173-74.2% |
| Participation rate | 45.7% | 61.1%-15.4pp | 69.1%-23.5pp | 69.6%-23.9pp |
| Annual return | -5.35% | -1.85%-3.5pp | 32.53%-37.9pp | 7.63%-13.0pp |
| Employer contribution / active EE | $604 | $1,115-45.9% | $1,961-69.2% | $2,381-74.6% |
| Participant deferral / active EE | $1,003 | $2,302-56.4% | $3,108-67.7% | $3,470-71.1% |
| Admin fee / account holder | $1,456 | $4,221-65.5% | $5,059-71.2% | $4,887-70.2% |