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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 | $9,630 | $77,419-87.6% | $69,461-86.1% | $152,885-93.7% |
| Participation rate | 46.7% | 78.1%-31.4pp | 74.6%-27.9pp | 82.5%-35.8pp |
| Annual return | 17.86% | 39.07%-21.2pp | 28.97%-11.1pp | 345.39%-327.5pp |
| Employer contribution / active EE | $492 | $3,315-85.1% | $2,779-82.3% | $4,763-89.7% |
| Participant deferral / active EE | $501 | $4,414-88.6% | $3,536-85.8% | $5,851-91.4% |
| Admin fee / account holder | $624 | $6,207-89.9% | $3,840-83.7% | $11,598-94.6% |