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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 | $5,964 | $56,054-89.4% | $171,082-96.5% | $62,881-90.5% |
| Participation rate | 28.0% | 62.9%-34.9pp | 76.7%-48.7pp | 69.3%-41.3pp |
| Annual return | 11.71% | 22.52%-10.8pp | 32.56%-20.8pp | 20.14%-8.4pp |
| Employer contribution / active EE | $428 | $1,731-75.3% | $4,002-89.3% | $2,281-81.2% |
| Participant deferral / active EE | $509 | $3,158-83.9% | $4,797-89.4% | $3,203-84.1% |
| Admin fee / account holder | $564 | $3,647-84.5% | $8,520-93.4% | $4,296-86.9% |