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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 | $9,525 | $52,961-82.0% | $172,752-94.5% | $65,185-85.4% |
| Participation rate | 44.1% | 66.2%-22.1pp | 82.6%-38.6pp | 70.2%-26.1pp |
| Annual return | 23.42% | 30.12%-6.7pp | 802.97%-779.6pp | 29.38%-6.0pp |
| Employer contribution / active EE | $489 | $2,190-77.7% | $5,144-90.5% | $2,177-77.5% |
| Participant deferral / active EE | $583 | $2,471-76.4% | $5,198-88.8% | $3,514-83.4% |
| Admin fee / account holder | $405 | $472-14.1% | $13,955-97.1% | $847-52.2% |