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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 | $5,966 | $46,599-87.2% | $64,101-90.7% | $75,173-92.1% |
| Participation rate | 52.6% | 65.9%-13.3pp | 72.3%-19.7pp | 67.2%-14.6pp |
| Annual return | 19.66% | 26.06%-6.4pp | 33.72%-14.1pp | 160.72%-141.1pp |
| Employer contribution / active EE | $481 | $1,975-75.6% | $2,749-82.5% | $2,671-82.0% |
| Participant deferral / active EE | $617 | $2,837-78.3% | $3,881-84.1% | $4,126-85.1% |
| Admin fee / account holder | $1,236 | $2,956-58.2% | $3,070-59.8% | $5,651-78.1% |