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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 | $6,156 | $74,535-91.7% | $100,712-93.9% | $82,637-92.6% |
| Participation rate | 49.3% | 61.2%-11.9pp | 69.3%-20.0pp | 68.1%-18.8pp |
| Annual return | 19.94% | 18.92%+1.0pp | 33.27%-13.3pp | 53.51%-33.6pp |
| Employer contribution / active EE | $685 | $1,503-54.4% | $2,313-70.4% | $2,552-73.2% |
| Participant deferral / active EE | $1,043 | $3,074-66.1% | $4,085-74.5% | $4,126-74.7% |
| Admin fee / account holder | $364 | $6,576-94.5% | $9,256-96.1% | $7,339-95.0% |