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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 | $9,264 | $78,707-88.2% | $117,861-92.1% | $70,126-86.8% |
| Participation rate | 51.2% | 73.2%-22.0pp | 79.7%-28.4pp | 69.5%-18.3pp |
| Annual return | 19.29% | 23.30%-4.0pp | 335.11%-315.8pp | 73.15%-53.9pp |
| Employer contribution / active EE | $764 | $2,223-65.6% | $3,786-79.8% | $2,343-67.4% |
| Participant deferral / active EE | $1,192 | $3,297-63.8% | $4,482-73.4% | $3,332-64.2% |
| Admin fee / account holder | $416 | $5,066-91.8% | $8,021-94.8% | $4,645-91.0% |