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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 | $11,571 | $64,719-82.1% | $112,249-89.7% | $68,486-83.1% |
| Participation rate | 34.9% | 67.2%-32.3pp | 75.1%-40.2pp | 67.9%-33.0pp |
| Annual return | -16.07% | -11.40%-4.7pp | 27.48%-43.6pp | -7.85%-8.2pp |
| Employer contribution / active EE | $851 | $2,747-69.0% | $3,636-76.6% | $2,597-67.2% |
| Participant deferral / active EE | $1,420 | $3,565-60.2% | $4,729-70.0% | $4,028-64.8% |
| Admin fee / account holder | $561 | $5,232-89.3% | $6,412-91.2% | $5,404-89.6% |