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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 | $6,817 | $79,449-91.4% | $189,558-96.4% | $85,856-92.1% |
| Participation rate | 22.9% | 66.0%-43.1pp | 78.5%-55.5pp | 69.3%-46.4pp |
| Annual return | 20.55% | 18.45%+2.1pp | 64.19%-43.6pp | 318.58%-298.0pp |
| Employer contribution / active EE | $523 | $2,081-74.9% | $4,412-88.1% | $2,565-79.6% |
| Participant deferral / active EE | $666 | $4,051-83.6% | $6,174-89.2% | $3,952-83.1% |
| Admin fee / account holder | $385 | $5,377-92.8% | $9,809-96.1% | $6,261-93.9% |