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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 | $6,400 | $77,638-91.8% | $156,551-95.9% | $62,881-89.8% |
| Participation rate | 29.6% | 71.2%-41.6pp | 84.0%-54.4pp | 69.3%-39.7pp |
| Annual return | 12.40% | 50.33%-37.9pp | 32.23%-19.8pp | 20.14%-7.7pp |
| Employer contribution / active EE | $414 | $3,444-88.0% | $5,501-92.5% | $2,281-81.9% |
| Participant deferral / active EE | $719 | $3,046-76.4% | $4,871-85.2% | $3,203-77.6% |
| Admin fee / account holder | $323 | $5,561-94.2% | $13,028-97.5% | $4,296-92.5% |