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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 | $5,854 | $58,057-89.9% | $97,032-94.0% | $86,983-93.3% |
| Participation rate | 20.7% | 60.4%-39.7pp | 71.6%-50.9pp | 69.5%-48.9pp |
| Annual return | 14.26% | 22.26%-8.0pp | 35.38%-21.1pp | 25.83%-11.6pp |
| Employer contribution / active EE | $83 | $1,663-95.0% | $2,629-96.9% | $2,584-96.8% |
| Participant deferral / active EE | $592 | $3,244-81.7% | $4,672-87.3% | $4,194-85.9% |
| Admin fee / account holder | $301 | $4,839-93.8% | $9,418-96.8% | $7,856-96.2% |