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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 | $12,587 | $54,213-76.8% | $93,696-86.6% | $77,736-83.8% |
| Participation rate | 13.6% | 64.0%-50.4pp | 68.7%-55.1pp | 70.6%-57.0pp |
| Annual return | 24.96% | 30.55%-5.6pp | 133.74%-108.8pp | 31.26%-6.3pp |
| Employer contribution / active EE | $316 | $1,168-73.0% | $2,422-87.0% | $2,728-88.4% |
| Participant deferral / active EE | $472 | $3,145-85.0% | $4,417-89.3% | $4,651-89.8% |
| Admin fee / account holder | $2,545 | $575+342.8% | $8,287-69.3% | $433+487.4% |