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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 | $11,418 | $83,337-86.3% | $67,834-83.2% | $273,972-95.8% |
| Participation rate | 60.0% | 76.4%-16.4pp | 68.8%-8.8pp | 83.0%-23.0pp |
| Annual return | 5.55% | 259.45%-253.9pp | 138.47%-132.9pp | 41.46%-35.9pp |
| Employer contribution / active EE | $726 | $3,287-77.9% | $2,403-69.8% | $4,869-85.1% |
| Participant deferral / active EE | $912 | $4,088-77.7% | $3,160-71.1% | $5,287-82.8% |
| Admin fee / account holder | $402 | $6,752-94.0% | $4,622-91.3% | $10,133-96.0% |