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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 | $4,680 | $43,749-89.3% | $158,223-97.0% | $65,306-92.8% |
| Participation rate | 50.4% | 56.9%-6.5pp | 79.2%-28.8pp | 57.7%-7.3pp |
| Annual return | 13.87% | 19.41%-5.5pp | 52.09%-38.2pp | 21.94%-8.1pp |
| Employer contribution / active EE | $629 | $1,497-58.0% | $4,109-84.7% | $1,967-68.0% |
| Participant deferral / active EE | $378 | $2,019-81.3% | $5,467-93.1% | $2,959-87.2% |
| Admin fee / account holder | $308 | $1,930-84.0% | $16,047-98.1% | $3,480-91.2% |