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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 | $23,597 | $65,703-64.1% | $94,228-75.0% | $59,633-60.4% |
| Participation rate | 30.9% | 72.1%-41.3pp | 78.8%-47.9pp | 68.7%-37.8pp |
| Annual return | -1.13% | 5.22%-6.3pp | 10.68%-11.8pp | 2041.40%-2042.5pp |
| Employer contribution / active EE | $647 | $2,021-68.0% | $3,587-82.0% | $2,203-70.6% |
| Participant deferral / active EE | $1,002 | $3,143-68.1% | $4,320-76.8% | $3,192-68.6% |
| Admin fee / account holder | $1,882 | $4,264-55.9% | $6,269-70.0% | $4,297-56.2% |