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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 | $7,611 | $98,766-92.3% | $149,730-94.9% | $79,852-90.5% |
| Participation rate | 61.8% | 75.8%-14.0pp | 82.5%-20.7pp | 69.6%-7.8pp |
| Annual return | 23.64% | 27.43%-3.8pp | 276.70%-253.1pp | 31.72%-8.1pp |
| Employer contribution / active EE | $990 | $3,217-69.2% | $4,645-78.7% | $2,471-59.9% |
| Participant deferral / active EE | $1,481 | $5,681-73.9% | $6,843-78.4% | $3,740-60.4% |
| Admin fee / account holder | $399 | $6,052-93.4% | $9,310-95.7% | $5,306-92.5% |