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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 | $9,284 | $58,493-84.1% | $84,021-89.0% | $72,975-87.3% |
| Participation rate | 44.7% | 61.2%-16.5pp | 69.0%-24.3pp | 69.5%-24.8pp |
| Annual return | 23.33% | 28.93%-5.6pp | 71.32%-48.0pp | 81.01%-57.7pp |
| Employer contribution / active EE | $330 | $1,163-71.7% | $1,984-83.4% | $2,440-86.5% |
| Participant deferral / active EE | $970 | $2,394-59.5% | $3,239-70.1% | $3,608-73.1% |
| Admin fee / account holder | $1,127 | $4,569-75.3% | $6,102-81.5% | $5,124-78.0% |