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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 | $10,206 | $59,804-82.9% | $81,982-87.6% | $79,856-87.2% |
| Participation rate | 30.0% | 61.6%-31.6pp | 69.3%-39.3pp | 69.6%-39.6pp |
| Annual return | 11.68% | 17.56%-5.9pp | 41.31%-29.6pp | 31.71%-20.0pp |
| Employer contribution / active EE | $296 | $1,713-82.7% | $2,498-88.1% | $2,471-88.0% |
| Participant deferral / active EE | $404 | $2,695-85.0% | $3,722-89.2% | $3,741-89.2% |
| Admin fee / account holder | $504 | $4,288-88.3% | $5,665-91.1% | $5,306-90.5% |