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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 | $15,428 | $55,230-72.1% | $79,580-80.6% | - |
| Participation rate | 29.3% | 62.4%-33.1pp | 69.5%-40.2pp | - |
| Annual return | -18.36% | -17.05%-1.3pp | 0.15%-18.5pp | - |
| Employer contribution / active EE | $802 | $1,304-38.5% | $2,413-66.8% | - |
| Participant deferral / active EE | $1,364 | $2,804-51.4% | $3,985-65.8% | - |
| Admin fee / account holder | $1,114 | $7,320-84.8% | $6,835-83.7% | - |