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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 | $6,609 | $47,479-86.1% | $62,929-89.5% | $82,448-92.0% |
| Participation rate | 43.2% | 66.9%-23.7pp | 73.1%-29.9pp | 68.1%-24.9pp |
| Annual return | 25.55% | 20.34%+5.2pp | 1063.93%-1038.4pp | 41.64%-16.1pp |
| Employer contribution / active EE | $497 | $1,885-73.7% | $2,505-80.2% | $2,551-80.5% |
| Participant deferral / active EE | $738 | $2,870-74.3% | $3,888-81.0% | $4,139-82.2% |
| Admin fee / account holder | $371 | $3,804-90.2% | $5,065-92.7% | $7,234-94.9% |