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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 | $8,894 | $65,034-86.3% | $90,970-90.2% | $79,856-88.9% |
| Participation rate | 22.7% | 61.6%-38.9pp | 69.0%-46.3pp | 69.6%-46.9pp |
| Annual return | 21.30% | 30.45%-9.2pp | 134.60%-113.3pp | 31.71%-10.4pp |
| Employer contribution / active EE | $360 | $1,247-71.2% | $2,122-83.0% | $2,471-85.4% |
| Participant deferral / active EE | $708 | $2,512-71.8% | $3,373-79.0% | $3,741-81.1% |
| Admin fee / account holder | $971 | $4,536-78.6% | $5,961-83.7% | $5,306-81.7% |