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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 | $6,109 | $110,337-94.5% | $102,383-94.0% | $145,877-95.8% |
| Participation rate | 61.9% | 77.9%-16.0pp | 74.5%-12.6pp | 80.3%-18.4pp |
| Annual return | 15.48% | 24.83%-9.4pp | 24.94%-9.5pp | 551.28%-535.8pp |
| Employer contribution / active EE | $1,206 | $4,216-71.4% | $3,870-68.8% | $4,663-74.1% |
| Participant deferral / active EE | $1,509 | $5,621-73.1% | $5,060-70.2% | $6,691-77.4% |
| Admin fee / account holder | $474 | $9,750-95.1% | $8,391-94.4% | $13,402-96.5% |