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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 | $5,153 | $58,099-91.1% | $76,872-93.3% | $75,173-93.1% |
| Participation rate | 19.2% | 63.9%-44.7pp | 69.6%-50.4pp | 67.2%-48.0pp |
| Annual return | 0.00% | 26.71%-26.7pp | 37.90%-37.9pp | 160.72%-160.7pp |
| Employer contribution / active EE | $508 | $1,996-74.6% | $2,533-80.0% | $2,671-81.0% |
| Participant deferral / active EE | $600 | $2,999-80.0% | $3,832-84.3% | $4,126-85.4% |
| Admin fee / account holder | $504 | $4,778-89.5% | $5,476-90.8% | $5,651-91.1% |