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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 | $6,157 | $57,590-89.3% | $86,233-92.9% | $82,448-92.5% |
| Participation rate | 43.3% | 57.9%-14.6pp | 69.0%-25.7pp | 68.1%-24.8pp |
| Annual return | 16.98% | 22.41%-5.4pp | 61.39%-44.4pp | 41.64%-24.7pp |
| Employer contribution / active EE | $349 | $1,655-78.9% | $2,504-86.1% | $2,551-86.3% |
| Participant deferral / active EE | $484 | $3,080-84.3% | $4,559-89.4% | $4,139-88.3% |
| Admin fee / account holder | $630 | $4,730-86.7% | $8,342-92.4% | $7,234-91.3% |