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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 | $5,845 | $81,262-92.8% | $155,602-96.2% | $80,911-92.8% |
| Participation rate | 42.2% | 66.2%-24.0pp | 78.2%-36.0pp | 67.6%-25.4pp |
| Annual return | 10.68% | 33.34%-22.7pp | 64.81%-54.1pp | 35.63%-24.9pp |
| Employer contribution / active EE | $572 | $3,102-81.5% | $4,675-87.8% | $2,756-79.2% |
| Participant deferral / active EE | $869 | $3,451-74.8% | $5,629-84.6% | $4,297-79.8% |
| Admin fee / account holder | $2,500 | $7,992-68.7% | $15,923-84.3% | $6,935-64.0% |