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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 | $6,575 | $85,169-92.3% | $172,755-96.2% | $72,983-91.0% |
| Participation rate | 32.8% | 70.1%-37.3pp | 82.6%-49.9pp | 69.5%-36.7pp |
| Annual return | 16.94% | 27.32%-10.4pp | 802.94%-786.0pp | 81.01%-64.1pp |
| Employer contribution / active EE | $418 | $3,324-87.4% | $5,144-91.9% | $2,440-82.9% |
| Participant deferral / active EE | $572 | $3,260-82.4% | $5,198-89.0% | $3,608-84.1% |
| Admin fee / account holder | $882 | $5,880-85.0% | $13,955-93.7% | $5,124-82.8% |