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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 | $3,495 | $57,061-93.9% | $85,063-95.9% | $80,911-95.7% |
| Participation rate | 35.4% | 56.3%-20.9pp | 67.5%-32.1pp | 67.6%-32.2pp |
| Annual return | 16.88% | 21.66%-4.8pp | 66.54%-49.7pp | 35.63%-18.8pp |
| Employer contribution / active EE | $524 | $1,799-70.9% | $2,727-80.8% | $2,756-81.0% |
| Participant deferral / active EE | $587 | $3,110-81.1% | $4,523-87.0% | $4,297-86.3% |
| Admin fee / account holder | $492 | $4,986-90.1% | $6,155-92.0% | $6,935-92.9% |