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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 | $5,563 | $56,054-90.1% | $171,082-96.7% | $62,881-91.2% |
| Participation rate | 34.0% | 62.9%-28.9pp | 76.7%-42.7pp | 69.3%-35.3pp |
| Annual return | 10.60% | 22.52%-11.9pp | 32.56%-22.0pp | 20.14%-9.5pp |
| Employer contribution / active EE | $308 | $1,731-82.2% | $4,002-92.3% | $2,281-86.5% |
| Participant deferral / active EE | $946 | $3,158-70.0% | $4,797-80.3% | $3,203-70.5% |
| Admin fee / account holder | $1,377 | $3,647-62.2% | $8,520-83.8% | $4,296-67.9% |