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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 | $7,619 | $78,707-90.3% | $117,861-93.5% | $70,126-89.1% |
| Participation rate | 66.2% | 73.2%-7.0pp | 79.7%-13.5pp | 69.5%-3.3pp |
| Annual return | 17.65% | 23.30%-5.6pp | 335.11%-317.5pp | 73.15%-55.5pp |
| Employer contribution / active EE | $508 | $2,223-77.1% | $3,786-86.6% | $2,343-78.3% |
| Participant deferral / active EE | $744 | $3,297-77.4% | $4,482-83.4% | $3,332-77.7% |
| Admin fee / account holder | $1,546 | $5,066-69.5% | $8,021-80.7% | $4,645-66.7% |