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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 | $5,091 | $63,809-92.0% | $81,353-93.7% | $80,935-93.7% |
| Participation rate | 63.0% | 63.9%-0.9pp | 69.5%-6.5pp | 67.7%-4.6pp |
| Annual return | 14.49% | 16.37%-1.9pp | 24.82%-10.3pp | 35.66%-21.2pp |
| Employer contribution / active EE | $626 | $1,981-68.4% | $2,464-74.6% | $2,757-77.3% |
| Participant deferral / active EE | $817 | $3,093-73.6% | $3,885-79.0% | $4,299-81.0% |
| Admin fee / account holder | $621 | $5,686-89.1% | $5,766-89.2% | $6,924-91.0% |