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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 | $12,971 | $87,132-85.1% | $105,624-87.7% | $80,959-84.0% |
| Participation rate | 57.7% | 70.4%-12.7pp | 75.3%-17.6pp | 67.7%-10.0pp |
| Annual return | 10.86% | 17.03%-6.2pp | 116.20%-105.3pp | 35.67%-24.8pp |
| Employer contribution / active EE | $866 | $2,397-63.9% | $3,168-72.7% | $2,757-68.6% |
| Participant deferral / active EE | $1,577 | $3,985-60.4% | $5,013-68.5% | $4,300-63.3% |
| Admin fee / account holder | $459 | $8,449-94.6% | $10,961-95.8% | $6,925-93.4% |