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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 | $7,444 | $96,052-92.3% | $118,106-93.7% | $87,485-91.5% |
| Participation rate | 60.7% | 77.0%-16.3pp | 81.9%-21.2pp | 68.9%-8.2pp |
| Annual return | 21.01% | 24.16%-3.1pp | 19.44%+1.6pp | 26.06%-5.1pp |
| Employer contribution / active EE | $1,149 | $3,939-70.8% | $4,698-75.5% | $2,596-55.7% |
| Participant deferral / active EE | $1,409 | $5,793-75.7% | $6,619-78.7% | $4,274-67.0% |
| Admin fee / account holder | $681 | $7,618-91.1% | $8,973-92.4% | $7,775-91.2% |