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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 | $3,788 | $58,627-93.5% | $76,735-95.1% | $82,448-95.4% |
| Participation rate | 50.8% | 63.2%-12.4pp | 69.5%-18.7pp | 68.1%-17.2pp |
| Annual return | 20.86% | 39.10%-18.2pp | 29.77%-8.9pp | 41.64%-20.8pp |
| Employer contribution / active EE | $546 | $1,729-68.4% | $2,454-77.8% | $2,551-78.6% |
| Participant deferral / active EE | $818 | $3,134-73.9% | $4,088-80.0% | $4,139-80.2% |
| Admin fee / account holder | $615 | $5,323-88.4% | $7,189-91.4% | $7,234-91.5% |