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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 | $14,386 | $62,583-77.0% | $76,767-81.3% | $64,173-77.6% |
| Participation rate | 49.3% | 72.8%-23.6pp | 77.0%-27.7pp | 69.6%-20.3pp |
| Annual return | -3.50% | -1.95%-1.6pp | 2.43%-5.9pp | 7.63%-11.1pp |
| Employer contribution / active EE | $610 | $1,832-66.7% | $2,485-75.4% | $2,381-74.4% |
| Participant deferral / active EE | $1,134 | $3,145-63.9% | $3,852-70.6% | $3,470-67.3% |
| Admin fee / account holder | $822 | $4,667-82.4% | $6,675-87.7% | $4,887-83.2% |