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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 | $4,097 | $52,580-92.2% | $71,671-94.3% | $70,126-94.2% |
| Participation rate | 45.5% | 60.9%-15.4pp | 68.7%-23.3pp | 69.5%-24.1pp |
| Annual return | 16.24% | 20.25%-4.0pp | 20.65%-4.4pp | 73.15%-56.9pp |
| Employer contribution / active EE | $478 | $1,616-70.4% | $2,460-80.6% | $2,343-79.6% |
| Participant deferral / active EE | $860 | $2,386-63.9% | $3,438-75.0% | $3,332-74.2% |
| Admin fee / account holder | $396 | $3,653-89.2% | $5,558-92.9% | $4,645-91.5% |