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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 | $60,442-89.8% | $96,754-93.6% | $87,485-93.0% |
| Participation rate | 43.3% | 58.7%-15.4pp | 70.3%-27.0pp | 68.9%-25.6pp |
| Annual return | 16.98% | 21.97%-5.0pp | 82.04%-65.1pp | 26.06%-9.1pp |
| Employer contribution / active EE | $349 | $1,691-79.3% | $2,679-87.0% | $2,596-86.6% |
| Participant deferral / active EE | $484 | $3,280-85.2% | $4,758-89.8% | $4,274-88.7% |
| Admin fee / account holder | $630 | $5,069-87.6% | $8,905-92.9% | $7,775-91.9% |