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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 | $6,346 | $64,311-90.1% | $57,356-88.9% | $125,389-94.9% |
| Participation rate | 41.7% | 78.6%-37.0pp | 75.1%-33.4pp | 83.2%-41.5pp |
| Annual return | -1.68% | 25.14%-26.8pp | 24.41%-26.1pp | 282.24%-283.9pp |
| Employer contribution / active EE | $346 | $3,193-89.2% | $2,689-87.1% | $4,866-92.9% |
| Participant deferral / active EE | $474 | $3,846-87.7% | $3,162-85.0% | $5,352-91.2% |
| Admin fee / account holder | $1,034 | $5,243-80.3% | $3,357-69.2% | $9,541-89.2% |