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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 | $9,872 | $58,828-83.2% | $78,002-87.3% | $62,881-84.3% |
| Participation rate | 38.5% | 71.1%-32.6pp | 75.5%-37.1pp | 69.3%-30.8pp |
| Annual return | 6.20% | 17.16%-11.0pp | 425.99%-419.8pp | 20.14%-13.9pp |
| Employer contribution / active EE | $2,565 | $1,672+53.4% | $2,470+3.8% | $2,281+12.5% |
| Participant deferral / active EE | $567 | $2,686-78.9% | $3,497-83.8% | $3,203-82.3% |
| Admin fee / account holder | $2,020 | $4,393-54.0% | $5,481-63.1% | $4,296-53.0% |