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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 | $9,059 | $80,983-88.8% | $96,544-90.6% | $75,177-87.9% |
| Participation rate | 44.6% | 71.8%-27.1pp | 76.0%-31.3pp | 67.2%-22.6pp |
| Annual return | 36.45% | 27.05%+9.4pp | 25.88%+10.6pp | 160.75%-124.3pp |
| Employer contribution / active EE | $844 | $2,282-63.0% | $2,966-71.6% | $2,671-68.4% |
| Participant deferral / active EE | $1,728 | $3,929-56.0% | $4,851-64.4% | $4,126-58.1% |
| Admin fee / account holder | $334 | $6,717-95.0% | $8,254-96.0% | $5,651-94.1% |