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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 | $3,063 | $75,541-95.9% | $152,093-98.0% | $82,637-96.3% |
| Participation rate | 53.8% | 66.5%-12.7pp | 77.8%-23.9pp | 68.1%-14.2pp |
| Annual return | 22.26% | 32.56%-10.3pp | 66.36%-44.1pp | 53.51%-31.2pp |
| Employer contribution / active EE | $387 | $2,622-85.3% | $4,175-90.7% | $2,552-84.9% |
| Participant deferral / active EE | $627 | $3,206-80.4% | $5,451-88.5% | $4,126-84.8% |
| Admin fee / account holder | $887 | $6,405-86.1% | $14,497-93.9% | $7,339-87.9% |