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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 | $6,461 | $88,360-92.7% | $145,433-95.6% | $67,986-90.5% |
| Participation rate | 43.0% | 65.5%-22.5pp | 82.1%-39.2pp | 57.2%-14.2pp |
| Annual return | 24.75% | 63.15%-38.4pp | 66.58%-41.8pp | 31.67%-6.9pp |
| Employer contribution / active EE | $564 | $3,054-81.5% | $4,554-87.6% | $2,019-72.1% |
| Participant deferral / active EE | $1,398 | $5,932-76.4% | $7,897-82.3% | $3,358-58.4% |
| Admin fee / account holder | $790 | $3,313-76.2% | $13,129-94.0% | $3,203-75.3% |