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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 | $10,382 | $48,364-78.5% | $71,796-85.5% | $62,881-83.5% |
| Participation rate | 42.1% | 60.6%-18.5pp | 69.1%-27.0pp | 69.3%-27.2pp |
| Annual return | 5.36% | 13.16%-7.8pp | 78.04%-72.7pp | 20.14%-14.8pp |
| Employer contribution / active EE | $344 | $1,042-67.0% | $1,924-82.1% | $2,281-84.9% |
| Participant deferral / active EE | $652 | $2,091-68.8% | $2,794-76.7% | $3,203-79.7% |
| Admin fee / account holder | $635 | $3,771-83.2% | $4,815-86.8% | $4,296-85.2% |