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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 | $1,805 | $46,599-96.1% | $64,101-97.2% | $75,173-97.6% |
| Participation rate | 46.2% | 65.9%-19.8pp | 72.3%-26.2pp | 67.2%-21.0pp |
| Annual return | 47.62% | 26.06%+21.6pp | 33.72%+13.9pp | 160.72%-113.1pp |
| Employer contribution / active EE | $507 | $1,975-74.3% | $2,749-81.6% | $2,671-81.0% |
| Participant deferral / active EE | $516 | $2,837-81.8% | $3,881-86.7% | $4,126-87.5% |
| Admin fee / account holder | $571 | $2,956-80.7% | $3,070-81.4% | $5,651-89.9% |