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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 | $14,929 | $53,596-72.1% | $90,657-83.5% | $64,173-76.7% |
| Participation rate | 26.5% | 64.5%-38.0pp | 74.0%-47.5pp | 69.6%-43.1pp |
| Annual return | -5.35% | 4.41%-9.8pp | 1.89%-7.2pp | 7.63%-13.0pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,532-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $716 | $2,459-70.9% | $3,424-79.1% | $3,470-79.4% |
| Admin fee / account holder | $954 | $3,868-75.3% | $4,994-80.9% | $4,887-80.5% |