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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 | $14,867 | $71,230-79.1% | $93,727-84.1% | $80,959-81.6% |
| Participation rate | 27.3% | 60.4%-33.1pp | 68.7%-41.4pp | 67.7%-40.4pp |
| Annual return | 10.95% | 11.26%-0.3pp | 133.83%-122.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $482 | $1,565-69.2% | $2,421-80.1% | $2,757-82.5% |
| Participant deferral / active EE | $646 | $4,037-84.0% | $4,417-85.4% | $4,300-85.0% |
| Admin fee / account holder | $861 | $6,961-87.6% | $8,292-89.6% | $6,925-87.6% |