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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 | $5,012 | $51,222-90.2% | $70,544-92.9% | $75,173-93.3% |
| Participation rate | 37.1% | 61.0%-23.8pp | 68.4%-31.2pp | 67.2%-30.1pp |
| Annual return | 25.68% | 30.06%-4.4pp | 32.79%-7.1pp | 160.72%-135.0pp |
| Employer contribution / active EE | $602 | $1,827-67.1% | $2,976-79.8% | $2,671-77.5% |
| Participant deferral / active EE | $693 | $2,850-75.7% | $4,568-84.8% | $4,126-83.2% |
| Admin fee / account holder | $493 | $4,096-88.0% | $6,427-92.3% | $5,651-91.3% |