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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 | $1,641 | $25,014-93.4% | $69,623-97.6% | $80,935-98.0% |
| Participation rate | 55.4% | 64.2%-8.9pp | 66.4%-11.1pp | 67.7%-12.3pp |
| Annual return | 15.50% | 19.08%-3.6pp | 101.23%-85.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $325 | $991-67.2% | $1,709-81.0% | $2,757-88.2% |
| Participant deferral / active EE | $726 | $1,840-60.5% | $2,890-74.9% | $4,299-83.1% |
| Admin fee / account holder | $474 | $2,491-81.0% | $4,696-89.9% | $6,924-93.2% |