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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 | $6,018 | $78,015-92.3% | $178,505-96.6% | $80,959-92.6% |
| Participation rate | 58.3% | 65.7%-7.3pp | 77.1%-18.8pp | 67.7%-9.3pp |
| Annual return | 14.78% | 18.10%-3.3pp | 27.16%-12.4pp | 35.67%-20.9pp |
| Employer contribution / active EE | $765 | $2,281-66.4% | $3,955-80.6% | $2,757-72.2% |
| Participant deferral / active EE | $839 | $4,406-81.0% | $6,280-86.6% | $4,300-80.5% |
| Admin fee / account holder | $329 | $7,160-95.4% | $10,428-96.8% | $6,925-95.2% |