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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 | $7,142 | $69,012-89.7% | $160,037-95.5% | $68,490-89.6% |
| Participation rate | 62.7% | 65.4%-2.7pp | 78.0%-15.3pp | 67.9%-5.2pp |
| Annual return | -13.65% | -9.65%-4.0pp | 408.95%-422.6pp | -7.85%-5.8pp |
| Employer contribution / active EE | $958 | $2,212-56.7% | $4,226-77.3% | $2,597-63.1% |
| Participant deferral / active EE | $1,153 | $4,212-72.6% | $6,184-81.4% | $4,028-71.4% |
| Admin fee / account holder | $341 | $4,798-92.9% | $8,716-96.1% | $5,403-93.7% |