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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 | $5,692 | $58,828-90.3% | $78,002-92.7% | $62,881-90.9% |
| Participation rate | 57.5% | 71.1%-13.6pp | 75.5%-18.0pp | 69.3%-11.8pp |
| Annual return | 4.98% | 17.16%-12.2pp | 425.99%-421.0pp | 20.14%-15.2pp |
| Employer contribution / active EE | $402 | $1,672-76.0% | $2,470-83.7% | $2,281-82.4% |
| Participant deferral / active EE | $967 | $2,686-64.0% | $3,497-72.4% | $3,203-69.8% |
| Admin fee / account holder | $627 | $4,393-85.7% | $5,481-88.6% | $4,296-85.4% |