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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 | $4,511 | $58,627-92.3% | $76,735-94.1% | $82,448-94.5% |
| Participation rate | 52.7% | 63.2%-10.5pp | 69.5%-16.8pp | 68.1%-15.4pp |
| Annual return | 24.30% | 39.10%-14.8pp | 29.77%-5.5pp | 41.64%-17.3pp |
| Employer contribution / active EE | $556 | $1,729-67.8% | $2,454-77.3% | $2,551-78.2% |
| Participant deferral / active EE | $768 | $3,134-75.5% | $4,088-81.2% | $4,139-81.4% |
| Admin fee / account holder | $687 | $5,323-87.1% | $7,189-90.4% | $7,234-90.5% |