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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 | $1,959 | $78,197-97.5% | $98,090-98.0% | $82,637-97.6% |
| Participation rate | 53.3% | 77.5%-24.1pp | 81.5%-28.2pp | 68.1%-14.7pp |
| Annual return | 35.28% | 40.25%-5.0pp | 37.05%-1.8pp | 53.51%-18.2pp |
| Employer contribution / active EE | $174 | $2,605-93.3% | $3,606-95.2% | $2,552-93.2% |
| Participant deferral / active EE | $1,161 | $6,636-82.5% | $7,845-85.2% | $4,126-71.9% |
| Admin fee / account holder | $1,123 | $14,832-92.4% | $11,815-90.5% | $7,339-84.7% |