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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 | $22,646 | $91,537-75.3% | $130,045-82.6% | $75,173-69.9% |
| Participation rate | 39.6% | 71.5%-31.8pp | 78.5%-38.9pp | 67.2%-27.6pp |
| Annual return | 13.93% | -631.55%+645.5pp | -137.30%+151.2pp | 160.72%-146.8pp |
| Employer contribution / active EE | $776 | $2,845-72.7% | $4,321-82.1% | $2,671-71.0% |
| Participant deferral / active EE | $1,368 | $4,343-68.5% | $5,820-76.5% | $4,126-66.8% |
| Admin fee / account holder | $2,494 | $6,780-63.2% | $10,600-76.5% | $5,651-55.9% |