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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 | $2,839 | $58,627-95.2% | $76,735-96.3% | $82,448-96.6% |
| Participation rate | 53.2% | 63.2%-10.0pp | 69.5%-16.3pp | 68.1%-14.8pp |
| Annual return | 18.95% | 39.10%-20.1pp | 29.77%-10.8pp | 41.64%-22.7pp |
| Employer contribution / active EE | $410 | $1,729-76.3% | $2,454-83.3% | $2,551-83.9% |
| Participant deferral / active EE | $903 | $3,134-71.2% | $4,088-77.9% | $4,139-78.2% |
| Admin fee / account holder | $1,205 | $5,323-77.4% | $7,189-83.2% | $7,234-83.3% |