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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 | $4,917 | $45,343-89.2% | $150,298-96.7% | $67,986-92.8% |
| Participation rate | 39.1% | 51.9%-12.8pp | 77.8%-38.7pp | 57.2%-18.1pp |
| Annual return | 18.94% | 33.28%-14.3pp | 62.79%-43.8pp | 31.67%-12.7pp |
| Employer contribution / active EE | $353 | $1,462-75.9% | $4,154-91.5% | $2,019-82.5% |
| Participant deferral / active EE | $504 | $2,055-75.5% | $5,453-90.8% | $3,358-85.0% |
| Admin fee / account holder | $1,362 | $2,250-39.5% | $14,116-90.3% | $3,203-57.5% |