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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 | $12,140 | $91,559-86.7% | $133,978-90.9% | $79,856-84.8% |
| Participation rate | 40.8% | 73.3%-32.5pp | 79.8%-39.0pp | 69.6%-28.8pp |
| Annual return | 20.45% | 61.85%-41.4pp | 45.10%-24.6pp | 31.71%-11.3pp |
| Employer contribution / active EE | $710 | $2,384-70.2% | $3,919-81.9% | $2,471-71.3% |
| Participant deferral / active EE | $1,623 | $3,734-56.5% | $5,047-67.8% | $3,741-56.6% |
| Admin fee / account holder | $911 | $6,321-85.6% | $8,930-89.8% | $5,306-82.8% |