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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 | $5,003 | $58,512-91.4% | $84,020-94.0% | $72,983-93.1% |
| Participation rate | 32.1% | 61.2%-29.2pp | 69.0%-36.9pp | 69.5%-37.4pp |
| Annual return | 19.24% | 28.93%-9.7pp | 71.31%-52.1pp | 81.01%-61.8pp |
| Employer contribution / active EE | $397 | $1,163-65.8% | $1,984-80.0% | $2,440-83.7% |
| Participant deferral / active EE | $994 | $2,394-58.5% | $3,239-69.3% | $3,608-72.5% |
| Admin fee / account holder | $342 | $4,569-92.5% | $6,101-94.4% | $5,124-93.3% |