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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 | $16,217 | $72,404-77.6% | $110,241-85.3% | $64,181-74.7% |
| Participation rate | 46.9% | 73.3%-26.5pp | 79.8%-32.9pp | 69.6%-22.7pp |
| Annual return | -6.31% | -6.29%0pp | 314.75%-321.1pp | 7.63%-13.9pp |
| Employer contribution / active EE | $725 | $2,282-68.2% | $3,827-81.1% | $2,381-69.6% |
| Participant deferral / active EE | $1,398 | $3,469-59.7% | $4,672-70.1% | $3,470-59.7% |
| Admin fee / account holder | $4,526 | $5,664-20.1% | $8,548-47.1% | $4,887-7.4% |