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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 | $14,539 | $52,678-72.4% | $75,784-80.8% | $59,633-75.6% |
| Participation rate | 56.3% | 67.2%-11.0pp | 75.8%-19.6pp | 68.7%-12.4pp |
| Annual return | -2.63% | 2.95%-5.6pp | 9.68%-12.3pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $1,296 | $2,193-40.9% | $3,323-61.0% | $2,203-41.2% |
| Participant deferral / active EE | $529 | $2,591-79.6% | $3,652-85.5% | $3,192-83.4% |
| Admin fee / account holder | $3,000 | $3,610-16.9% | $5,300-43.4% | $4,297-30.2% |