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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 | $6,043 | $48,078-87.4% | $78,676-92.3% | $62,881-90.4% |
| Participation rate | 51.1% | 65.2%-14.1pp | 73.6%-22.5pp | 69.3%-18.2pp |
| Annual return | 15.10% | 31.36%-16.3pp | 62.19%-47.1pp | 20.14%-5.0pp |
| Employer contribution / active EE | $232 | $2,015-88.5% | $2,850-91.9% | $2,281-89.8% |
| Participant deferral / active EE | $340 | $2,587-86.9% | $3,517-90.3% | $3,203-89.4% |
| Admin fee / account holder | $2,354 | $3,206-26.6% | $4,510-47.8% | $4,296-45.2% |