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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 | $1,875 | $57,119-96.7% | $85,187-97.8% | $80,935-97.7% |
| Participation rate | 53.8% | 56.4%-2.6pp | 67.5%-13.7pp | 67.7%-13.8pp |
| Annual return | 10.62% | 21.70%-11.1pp | 66.67%-56.0pp | 35.66%-25.0pp |
| Employer contribution / active EE | $408 | $1,802-77.4% | $2,732-85.1% | $2,757-85.2% |
| Participant deferral / active EE | $413 | $3,115-86.8% | $4,525-90.9% | $4,299-90.4% |
| Admin fee / account holder | $376 | $4,990-92.5% | $6,162-93.9% | $6,924-94.6% |