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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 | $6,893 | $57,119-87.9% | $85,187-91.9% | $80,935-91.5% |
| Participation rate | 23.1% | 56.4%-33.3pp | 67.5%-44.4pp | 67.7%-44.6pp |
| Annual return | 13.48% | 21.70%-8.2pp | 66.67%-53.2pp | 35.66%-22.2pp |
| Employer contribution / active EE | $330 | $1,802-81.7% | $2,732-87.9% | $2,757-88.0% |
| Participant deferral / active EE | $512 | $3,115-83.5% | $4,525-88.7% | $4,299-88.1% |
| Admin fee / account holder | $1,296 | $4,990-74.0% | $6,162-79.0% | $6,924-81.3% |