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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 | $9,101 | $45,126-79.8% | $85,187-89.3% | $74,459-87.8% |
| Participation rate | 23.5% | 49.4%-25.9pp | 67.5%-44.0pp | 67.2%-43.7pp |
| Annual return | 14.09% | 26.30%-12.2pp | 66.67%-52.6pp | 1369.70%-1355.6pp |
| Employer contribution / active EE | $423 | $1,460-71.0% | $2,732-84.5% | $2,626-83.9% |
| Participant deferral / active EE | $535 | $2,738-80.5% | $4,525-88.2% | $4,350-87.7% |
| Admin fee / account holder | $700 | $2,212-68.4% | $6,162-88.6% | $1,945-64.0% |