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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 | $1,794 | $30,437-94.1% | $56,033-96.8% | $74,459-97.6% |
| Participation rate | 34.9% | 32.9%+2.0pp | 52.5%-17.6pp | 67.2%-32.3pp |
| Annual return | 15.65% | 24.96%-9.3pp | 1711.38%-1695.7pp | 1369.70%-1354.1pp |
| Employer contribution / active EE | $178 | $610-70.9% | $1,041-82.9% | $2,626-93.2% |
| Participant deferral / active EE | $178 | $1,176-84.9% | $1,954-90.9% | $4,350-95.9% |
| Admin fee / account holder | $312 | $2,363-86.8% | $2,827-89.0% | $1,945-84.0% |