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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 | $8,666 | $99,875-91.3% | $146,866-94.1% | $86,983-90.0% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.5%-19.5pp |
| Annual return | 20.88% | 28.10%-7.2pp | 102.85%-82.0pp | 25.83%-5.0pp |
| Employer contribution / active EE | $868 | $3,224-73.1% | $4,425-80.4% | $2,584-66.4% |
| Participant deferral / active EE | $1,256 | $6,322-80.1% | $7,759-83.8% | $4,194-70.0% |
| Admin fee / account holder | $716 | $7,838-90.9% | $13,620-94.7% | $7,856-90.9% |