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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 | $7,636 | $77,901-90.2% | $149,717-94.9% | $75,181-89.8% |
| Participation rate | 42.9% | 65.6%-22.7pp | 78.8%-35.9pp | 67.2%-24.3pp |
| Annual return | 17.64% | 31.73%-14.1pp | 134.41%-116.8pp | 160.69%-143.0pp |
| Employer contribution / active EE | $447 | $3,137-85.8% | $4,820-90.7% | $2,671-83.3% |
| Participant deferral / active EE | $660 | $3,411-80.7% | $5,682-88.4% | $4,126-84.0% |
| Admin fee / account holder | $1,060 | $5,949-82.2% | $13,213-92.0% | $5,650-81.2% |