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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 | $4,819 | $88,042-94.5% | $138,135-96.5% | $79,856-94.0% |
| Participation rate | 55.6% | 71.4%-15.9pp | 78.7%-23.1pp | 69.6%-14.1pp |
| Annual return | 25.12% | 20.58%+4.5pp | 20.51%+4.6pp | 31.71%-6.6pp |
| Employer contribution / active EE | $1,027 | $3,103-66.9% | $5,587-81.6% | $2,471-58.4% |
| Participant deferral / active EE | $1,281 | $4,704-72.8% | $6,431-80.1% | $3,741-65.7% |
| Admin fee / account holder | $1,751 | $7,791-77.5% | $11,856-85.2% | $5,306-67.0% |