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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 | $16,186 | $62,672-74.2% | $185,117-91.3% | $70,126-76.9% |
| Participation rate | 29.3% | 63.8%-34.5pp | 77.3%-48.0pp | 69.5%-40.3pp |
| Annual return | 0.00% | 40.79%-40.8pp | 40.50%-40.5pp | 73.15%-73.1pp |
| Employer contribution / active EE | $285 | $1,753-83.7% | $4,182-93.2% | $2,343-87.8% |
| Participant deferral / active EE | $1,006 | $3,272-69.2% | $5,045-80.1% | $3,332-69.8% |
| Admin fee / account holder | $10,385 | $3,932+164.1% | $8,159+27.3% | $4,645+123.5% |