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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 | $58,848-89.5% | $88,179-93.0% | $82,637-92.5% |
| Participation rate | 43.3% | 57.9%-14.6pp | 69.1%-25.9pp | 68.1%-24.8pp |
| Annual return | 16.98% | 22.76%-5.8pp | 64.97%-48.0pp | 53.51%-36.5pp |
| Employer contribution / active EE | $349 | $1,678-79.2% | $2,549-86.3% | $2,552-86.3% |
| Participant deferral / active EE | $484 | $3,124-84.5% | $4,614-89.5% | $4,126-88.3% |
| Admin fee / account holder | $630 | $4,795-86.9% | $7,673-91.8% | $7,339-91.4% |