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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 | $23,499 | $65,704-64.2% | $94,229-75.1% | $59,633-60.6% |
| Participation rate | 43.8% | 72.1%-28.4pp | 78.8%-35.0pp | 68.7%-24.9pp |
| Annual return | -1.48% | 5.22%-6.7pp | 10.68%-12.2pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $471 | $2,021-76.7% | $3,587-86.9% | $2,203-78.6% |
| Participant deferral / active EE | $1,168 | $3,143-62.8% | $4,320-73.0% | $3,192-63.4% |
| Admin fee / account holder | $593 | $4,265-86.1% | $6,269-90.5% | $4,297-86.2% |