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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 | $12,852 | $48,050-73.3% | $85,969-85.1% | $59,633-78.4% |
| Participation rate | 48.5% | 64.5%-16.0pp | 76.5%-28.1pp | 68.7%-20.2pp |
| Annual return | -1.07% | 0.29%-1.4pp | 9.32%-10.4pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $442 | $1,640-73.0% | $3,474-87.3% | $2,203-79.9% |
| Participant deferral / active EE | $754 | $2,249-66.5% | $3,829-80.3% | $3,192-76.4% |
| Admin fee / account holder | $355 | $3,206-88.9% | $6,053-94.1% | $4,297-91.7% |