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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 | $9,663 | $89,370-89.2% | $141,197-93.2% | $72,976-86.8% |
| Participation rate | 29.5% | 75.1%-45.6pp | 82.5%-52.9pp | 69.5%-39.9pp |
| Annual return | 26.78% | 111.88%-85.1pp | 71.41%-44.6pp | 81.02%-54.2pp |
| Employer contribution / active EE | $800 | $3,115-74.3% | $4,736-83.1% | $2,440-67.2% |
| Participant deferral / active EE | $971 | $5,419-82.1% | $6,710-85.5% | $3,608-73.1% |
| Admin fee / account holder | $1,705 | $5,957-71.4% | $10,265-83.4% | $5,124-66.7% |