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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 | $5,746 | $56,287-89.8% | $80,977-92.9% | $62,881-90.9% |
| Participation rate | 44.8% | 68.9%-24.1pp | 75.8%-31.0pp | 69.3%-24.5pp |
| Annual return | 12.15% | 22.13%-10.0pp | 17.11%-5.0pp | 20.14%-8.0pp |
| Employer contribution / active EE | $580 | $1,943-70.1% | $3,715-84.4% | $2,281-74.6% |
| Participant deferral / active EE | $1,409 | $4,196-66.4% | $5,696-75.3% | $3,203-56.0% |
| Admin fee / account holder | $1,248 | $3,742-66.7% | $5,517-77.4% | $4,296-71.0% |