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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 | $17,265 | $83,427-79.3% | $115,756-85.1% | $68,495-74.8% |
| Participation rate | 32.6% | 71.9%-39.3pp | 77.1%-44.5pp | 67.9%-35.3pp |
| Annual return | -14.77% | -10.95%-3.8pp | 143.14%-157.9pp | -7.84%-6.9pp |
| Employer contribution / active EE | $760 | $3,075-75.3% | $3,793-80.0% | $2,596-70.7% |
| Participant deferral / active EE | $1,389 | $5,355-74.1% | $6,254-77.8% | $4,028-65.5% |
| Admin fee / account holder | $1,729 | $5,708-69.7% | $8,124-78.7% | $5,403-68.0% |