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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 | $9,945 | $50,972-80.5% | $88,538-88.8% | $72,975-86.4% |
| Participation rate | 29.4% | 63.4%-34.0pp | 68.7%-39.3pp | 69.5%-40.1pp |
| Annual return | 25.86% | 29.62%-3.8pp | 43.64%-17.8pp | 81.01%-55.2pp |
| Employer contribution / active EE | $423 | $1,475-71.3% | $2,098-79.8% | $2,440-82.6% |
| Participant deferral / active EE | $594 | $2,230-73.4% | $2,914-79.6% | $3,608-83.5% |
| Admin fee / account holder | $530 | $3,230-83.6% | $4,310-87.7% | $5,124-89.7% |