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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 | $9,241 | $84,236-89.0% | $170,435-94.6% | $70,126-86.8% |
| Participation rate | 32.3% | 70.8%-38.6pp | 83.6%-51.3pp | 69.5%-37.3pp |
| Annual return | 20.12% | 23.06%-2.9pp | 205.94%-185.8pp | 73.15%-53.0pp |
| Employer contribution / active EE | $519 | $3,387-84.7% | $5,432-90.4% | $2,343-77.8% |
| Participant deferral / active EE | $720 | $3,086-76.7% | $4,939-85.4% | $3,332-78.4% |
| Admin fee / account holder | $392 | $5,698-93.1% | $13,881-97.2% | $4,645-91.6% |