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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 | $3,160 | $53,774-94.1% | $134,162-97.6% | $79,852-96.0% |
| Participation rate | 38.5% | 58.8%-20.3pp | 72.2%-33.7pp | 69.6%-31.2pp |
| Annual return | 17.68% | 19.01%-1.3pp | 36.35%-18.7pp | 31.72%-14.0pp |
| Employer contribution / active EE | $400 | $1,322-69.8% | $3,705-89.2% | $2,471-83.8% |
| Participant deferral / active EE | $524 | $2,420-78.3% | $3,500-85.0% | $3,740-86.0% |
| Admin fee / account holder | $392 | $3,985-90.2% | $6,685-94.1% | $5,306-92.6% |