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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 | $6,053 | $70,418-91.4% | $96,570-93.7% | $85,847-92.9% |
| Participation rate | 39.7% | 61.8%-22.1pp | 69.8%-30.1pp | 69.3%-29.6pp |
| Annual return | 11.67% | 18.59%-6.9pp | 37.79%-26.1pp | 318.61%-306.9pp |
| Employer contribution / active EE | $724 | $1,413-48.8% | $2,357-69.3% | $2,565-71.8% |
| Participant deferral / active EE | $974 | $2,894-66.3% | $3,849-74.7% | $3,952-75.4% |
| Admin fee / account holder | $1,367 | $4,995-72.6% | $6,182-77.9% | $6,261-78.2% |