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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 | $5,956 | $57,140-89.6% | $85,240-93.0% | $80,959-92.6% |
| Participation rate | 42.6% | 56.4%-13.9pp | 67.5%-25.0pp | 67.7%-25.1pp |
| Annual return | 11.61% | 21.71%-10.1pp | 66.75%-55.1pp | 35.67%-24.1pp |
| Employer contribution / active EE | $472 | $1,802-73.8% | $2,735-82.8% | $2,757-82.9% |
| Participant deferral / active EE | $689 | $3,115-77.9% | $4,527-84.8% | $4,300-84.0% |
| Admin fee / account holder | $579 | $4,992-88.4% | $6,165-90.6% | $6,925-91.6% |