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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 | $4,380 | $85,024-94.8% | $70,544-93.8% | $139,466-96.9% |
| Participation rate | 53.8% | 73.9%-20.1pp | 68.4%-14.5pp | 80.3%-26.5pp |
| Annual return | 28.40% | 30.39%-2.0pp | 32.79%-4.4pp | 373.66%-345.3pp |
| Employer contribution / active EE | $525 | $3,912-86.6% | $2,976-82.4% | $4,754-89.0% |
| Participant deferral / active EE | $765 | $5,891-87.0% | $4,568-83.2% | $6,712-88.6% |
| Admin fee / account holder | $803 | $8,928-91.0% | $6,427-87.5% | $11,409-93.0% |