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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 | $9,247 | $43,749-78.9% | $158,223-94.2% | $65,306-85.8% |
| Participation rate | 48.7% | 56.9%-8.2pp | 79.2%-30.5pp | 57.7%-8.9pp |
| Annual return | 13.41% | 19.41%-6.0pp | 52.09%-38.7pp | 21.94%-8.5pp |
| Employer contribution / active EE | $336 | $1,497-77.6% | $4,109-91.8% | $1,967-82.9% |
| Participant deferral / active EE | $672 | $2,019-66.7% | $5,467-87.7% | $2,959-77.3% |
| Admin fee / account holder | $800 | $1,930-58.5% | $16,047-95.0% | $3,480-77.0% |