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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 | $10,672 | $82,678-87.1% | $125,391-91.5% | $68,490-84.4% |
| Participation rate | 48.6% | 75.1%-26.5pp | 82.4%-33.8pp | 67.9%-19.3pp |
| Annual return | -17.94% | -5.97%-12.0pp | 572.41%-590.4pp | -7.85%-10.1pp |
| Employer contribution / active EE | $760 | $3,382-77.5% | $4,816-84.2% | $2,597-70.7% |
| Participant deferral / active EE | $1,534 | $6,111-74.9% | $7,448-79.4% | $4,028-61.9% |
| Admin fee / account holder | $602 | $6,277-90.4% | $10,009-94.0% | $5,403-88.9% |