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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 | $9,260 | $85,766-89.2% | $136,297-93.2% | $70,131-86.8% |
| Participation rate | 48.6% | 74.2%-25.6pp | 81.9%-33.3pp | 69.5%-21.0pp |
| Annual return | 17.50% | 31.45%-14.0pp | 5156.16%-5138.7pp | 73.14%-55.6pp |
| Employer contribution / active EE | $888 | $2,966-70.1% | $4,696-81.1% | $2,342-62.1% |
| Participant deferral / active EE | $1,422 | $5,051-71.8% | $6,247-77.2% | $3,332-57.3% |
| Admin fee / account holder | $1,318 | $5,420-75.7% | $9,244-85.7% | $4,645-71.6% |