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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 | $7,329 | $106,247-93.1% | $96,515-92.4% | $139,466-94.7% |
| Participation rate | 30.0% | 77.8%-47.8pp | 74.3%-44.3pp | 80.3%-50.3pp |
| Annual return | 12.71% | 38.47%-25.8pp | 35.73%-23.0pp | 373.66%-361.0pp |
| Employer contribution / active EE | $835 | $4,106-79.7% | $3,740-77.7% | $4,754-82.4% |
| Participant deferral / active EE | $1,099 | $5,456-79.9% | $4,880-77.5% | $6,712-83.6% |
| Admin fee / account holder | $2,132 | $7,885-73.0% | $6,735-68.4% | $11,409-81.3% |