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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 | $5,948 | $76,407-92.2% | $150,298-96.0% | $82,448-92.8% |
| Participation rate | 48.0% | 66.4%-18.4pp | 77.8%-29.8pp | 68.1%-20.1pp |
| Annual return | 24.33% | 39.99%-15.7pp | 62.79%-38.5pp | 41.64%-17.3pp |
| Employer contribution / active EE | $351 | $2,614-86.6% | $4,154-91.5% | $2,551-86.2% |
| Participant deferral / active EE | $652 | $3,214-79.7% | $5,453-88.0% | $4,139-84.3% |
| Admin fee / account holder | $483 | $6,352-92.4% | $14,116-96.6% | $7,234-93.3% |