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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 | $6,830 | $58,512-88.3% | $84,020-91.9% | $72,983-90.6% |
| Participation rate | 41.0% | 61.2%-20.3pp | 69.0%-28.0pp | 69.5%-28.5pp |
| Annual return | 20.25% | 28.93%-8.7pp | 71.31%-51.1pp | 81.01%-60.8pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $867 | $2,394-63.8% | $3,239-73.2% | $3,608-76.0% |
| Admin fee / account holder | $884 | $4,569-80.7% | $6,101-85.5% | $5,124-82.7% |