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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 | $8,927 | $64,716-86.2% | $112,258-92.0% | $68,495-87.0% |
| Participation rate | 44.0% | 67.2%-23.2pp | 75.1%-31.1pp | 67.9%-23.9pp |
| Annual return | -17.47% | -11.40%-6.1pp | 27.47%-44.9pp | -7.84%-9.6pp |
| Employer contribution / active EE | $867 | $2,746-68.4% | $3,636-76.1% | $2,596-66.6% |
| Participant deferral / active EE | $1,427 | $3,565-60.0% | $4,728-69.8% | $4,028-64.6% |
| Admin fee / account holder | $2,226 | $5,232-57.4% | $6,411-65.3% | $5,403-58.8% |