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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 | $14,141 | $117,444-88.0% | $99,479-85.8% | $152,909-90.8% |
| Participation rate | 27.8% | 77.5%-49.8pp | 73.8%-46.1pp | 82.5%-54.7pp |
| Annual return | 25.51% | 31.87%-6.4pp | 30.72%-5.2pp | 345.46%-320.0pp |
| Employer contribution / active EE | $296 | $3,014-90.2% | $2,540-88.3% | $4,764-93.8% |
| Participant deferral / active EE | $634 | $4,086-84.5% | $3,619-82.5% | $5,851-89.2% |
| Admin fee / account holder | $793 | $7,635-89.6% | $6,253-87.3% | $11,601-93.2% |