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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 | $7,876 | $48,337-83.7% | $67,560-88.3% | $80,959-90.3% |
| Participation rate | 45.2% | 66.4%-21.2pp | 72.9%-27.7pp | 67.7%-22.4pp |
| Annual return | 13.42% | 18.26%-4.8pp | 3533.50%-3520.1pp | 35.67%-22.2pp |
| Employer contribution / active EE | $435 | $2,023-78.5% | $2,737-84.1% | $2,757-84.2% |
| Participant deferral / active EE | $655 | $2,928-77.6% | $4,004-83.6% | $4,300-84.8% |
| Admin fee / account holder | $358 | $3,695-90.3% | $3,994-91.0% | $6,925-94.8% |