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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 | $4,452 | $48,364-90.8% | $71,796-93.8% | $62,881-92.9% |
| Participation rate | 30.8% | 60.6%-29.9pp | 69.1%-38.3pp | 69.3%-38.5pp |
| Annual return | 13.40% | 13.16%+0.2pp | 78.04%-64.6pp | 20.14%-6.7pp |
| Employer contribution / active EE | $864 | $1,042-17.1% | $1,924-55.1% | $2,281-62.1% |
| Participant deferral / active EE | $911 | $2,091-56.4% | $2,794-67.4% | $3,203-71.6% |
| Admin fee / account holder | $311 | $3,771-91.7% | $4,815-93.5% | $4,296-92.8% |