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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 | $4,143 | $62,672-93.4% | $185,117-97.8% | $70,126-94.1% |
| Participation rate | 34.1% | 63.8%-29.6pp | 77.3%-43.1pp | 69.5%-35.4pp |
| Annual return | 22.37% | 40.79%-18.4pp | 40.50%-18.1pp | 73.15%-50.8pp |
| Employer contribution / active EE | $458 | $1,753-73.9% | $4,182-89.1% | $2,343-80.5% |
| Participant deferral / active EE | $646 | $3,272-80.2% | $5,045-87.2% | $3,332-80.6% |
| Admin fee / account holder | $334 | $3,932-91.5% | $8,159-95.9% | $4,645-92.8% |