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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 | $6,819 | $71,215-90.4% | $93,696-92.7% | $80,935-91.6% |
| Participation rate | 35.7% | 60.4%-24.7pp | 68.7%-33.0pp | 67.7%-31.9pp |
| Annual return | 23.99% | 11.27%+12.7pp | 133.74%-109.8pp | 35.66%-11.7pp |
| Employer contribution / active EE | $512 | $1,565-67.3% | $2,422-78.8% | $2,757-81.4% |
| Participant deferral / active EE | $610 | $4,037-84.9% | $4,417-86.2% | $4,299-85.8% |
| Admin fee / account holder | $634 | $6,958-90.9% | $8,287-92.4% | $6,924-90.8% |