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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 | $6,117 | $106,749-94.3% | $145,433-95.8% | $82,448-92.6% |
| Participation rate | 66.3% | 75.6%-9.4pp | 82.1%-15.9pp | 68.1%-1.8pp |
| Annual return | 20.70% | 27.59%-6.9pp | 66.58%-45.9pp | 41.64%-20.9pp |
| Employer contribution / active EE | $772 | $3,444-77.6% | $4,554-83.0% | $2,551-69.7% |
| Participant deferral / active EE | $998 | $6,519-84.7% | $7,897-87.4% | $4,139-75.9% |
| Admin fee / account holder | $861 | $8,390-89.7% | $13,129-93.4% | $7,234-88.1% |