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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 | $6,418 | $48,364-86.7% | $71,796-91.1% | $62,881-89.8% |
| Participation rate | 28.8% | 60.6%-31.9pp | 69.1%-40.3pp | 69.3%-40.5pp |
| Annual return | 7.92% | 13.16%-5.2pp | 78.04%-70.1pp | 20.14%-12.2pp |
| Employer contribution / active EE | $283 | $1,042-72.8% | $1,924-85.3% | $2,281-87.6% |
| Participant deferral / active EE | $318 | $2,091-84.8% | $2,794-88.6% | $3,203-90.1% |
| Admin fee / account holder | $574 | $3,771-84.8% | $4,815-88.1% | $4,296-86.6% |