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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 | $6,372 | $55,930-88.6% | $76,089-91.6% | $80,925-92.1% |
| Participation rate | 39.0% | 62.1%-23.1pp | 69.1%-30.1pp | 67.7%-28.7pp |
| Annual return | 12.49% | 20.58%-8.1pp | 360.94%-348.4pp | 35.65%-23.2pp |
| Employer contribution / active EE | $433 | $1,866-76.8% | $2,690-83.9% | $2,756-84.3% |
| Participant deferral / active EE | $766 | $3,051-74.9% | $4,259-82.0% | $4,299-82.2% |
| Admin fee / account holder | $1,857 | $5,241-64.6% | $6,418-71.1% | $6,940-73.2% |