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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 | $6,546 | $45,343-85.6% | $150,298-95.6% | $67,986-90.4% |
| Participation rate | 31.0% | 51.9%-20.9pp | 77.8%-46.8pp | 57.2%-26.2pp |
| Annual return | 59.01% | 33.28%+25.7pp | 62.79%-3.8pp | 31.67%+27.3pp |
| Employer contribution / active EE | $301 | $1,462-79.4% | $4,154-92.8% | $2,019-85.1% |
| Participant deferral / active EE | $548 | $2,055-73.3% | $5,453-90.0% | $3,358-83.7% |
| Admin fee / account holder | $1,114 | $2,250-50.5% | $14,116-92.1% | $3,203-65.2% |