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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 | $4,194 | $81,262-94.8% | $155,602-97.3% | $80,911-94.8% |
| Participation rate | 39.4% | 66.2%-26.8pp | 78.2%-38.8pp | 67.6%-28.3pp |
| Annual return | 13.17% | 33.34%-20.2pp | 64.81%-51.6pp | 35.63%-22.5pp |
| Employer contribution / active EE | $447 | $3,102-85.6% | $4,675-90.4% | $2,756-83.8% |
| Participant deferral / active EE | $580 | $3,451-83.2% | $5,629-89.7% | $4,297-86.5% |
| Admin fee / account holder | $1,131 | $7,992-85.8% | $15,923-92.9% | $6,935-83.7% |