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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 | $6,513 | $71,230-90.9% | $93,727-93.1% | $80,959-92.0% |
| Participation rate | 38.1% | 60.4%-22.3pp | 68.7%-30.6pp | 67.7%-29.6pp |
| Annual return | 14.23% | 11.26%+3.0pp | 133.83%-119.6pp | 35.67%-21.4pp |
| Employer contribution / active EE | $500 | $1,565-68.0% | $2,421-79.3% | $2,757-81.9% |
| Participant deferral / active EE | $641 | $4,037-84.1% | $4,417-85.5% | $4,300-85.1% |
| Admin fee / account holder | $1,518 | $6,961-78.2% | $8,292-81.7% | $6,925-78.1% |