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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 | $87,878-91.5% | $97,411-92.4% | $82,637-91.0% |
| Participation rate | 60.7% | 75.6%-14.9pp | 80.4%-19.7pp | 68.1%-7.3pp |
| Annual return | 21.01% | 54.63%-33.6pp | 34.72%-13.7pp | 53.51%-32.5pp |
| Employer contribution / active EE | $1,149 | $3,800-69.8% | $4,210-72.7% | $2,552-55.0% |
| Participant deferral / active EE | $1,409 | $5,525-74.5% | $5,886-76.1% | $4,126-65.8% |
| Admin fee / account holder | $681 | $6,743-89.9% | $7,145-90.5% | $7,339-90.7% |