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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 | $6,715 | $58,627-88.5% | $76,735-91.2% | $82,448-91.9% |
| Participation rate | 29.0% | 63.2%-34.2pp | 69.5%-40.5pp | 68.1%-39.0pp |
| Annual return | 18.44% | 39.10%-20.7pp | 29.77%-11.3pp | 41.64%-23.2pp |
| Employer contribution / active EE | $463 | $1,729-73.2% | $2,454-81.1% | $2,551-81.9% |
| Participant deferral / active EE | $696 | $3,134-77.8% | $4,088-83.0% | $4,139-83.2% |
| Admin fee / account holder | $2,267 | $5,323-57.4% | $7,189-68.5% | $7,234-68.7% |