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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 | $6,260 | $75,962-91.8% | $154,111-95.9% | $64,173-90.2% |
| Participation rate | 43.9% | 70.4%-26.5pp | 83.0%-39.1pp | 69.6%-25.7pp |
| Annual return | 0.86% | 30.32%-29.5pp | 735.18%-734.3pp | 7.63%-6.8pp |
| Employer contribution / active EE | $1,020 | $3,350-69.5% | $5,298-80.7% | $2,381-57.1% |
| Participant deferral / active EE | $748 | $3,175-76.4% | $5,081-85.3% | $3,470-78.4% |
| Admin fee / account holder | $571 | $5,589-89.8% | $13,411-95.7% | $4,887-88.3% |