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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 | $13,999 | $72,620-80.7% | $90,760-84.6% | $66,938-79.1% |
| Participation rate | 27.6% | 73.7%-46.0pp | 75.7%-48.0pp | 69.8%-42.2pp |
| Annual return | 8.13% | -12.28%+20.4pp | -12.16%+20.3pp | 1.58%+6.5pp |
| Employer contribution / active EE | $806 | $2,369-66.0% | $2,922-72.4% | $2,545-68.3% |
| Participant deferral / active EE | $1,692 | $3,979-57.5% | $4,565-62.9% | $4,238-60.1% |
| Admin fee / account holder | $2,539 | $707+258.9% | $8,444-69.9% | $594+327.8% |