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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 | $5,610 | $50,554-88.9% | $67,681-91.7% | $87,485-93.6% |
| Participation rate | 57.7% | 67.7%-10.0pp | 73.7%-16.0pp | 68.9%-11.2pp |
| Annual return | 24.52% | 17.81%+6.7pp | 590.58%-566.1pp | 26.06%-1.5pp |
| Employer contribution / active EE | $721 | $1,988-63.7% | $2,678-73.1% | $2,596-72.2% |
| Participant deferral / active EE | $854 | $2,961-71.2% | $3,976-78.5% | $4,274-80.0% |
| Admin fee / account holder | $1,725 | $4,132-58.3% | $6,100-71.7% | $7,775-77.8% |