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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 | $8,566 | $83,485-89.7% | $125,192-93.2% | $72,975-88.3% |
| Participation rate | 26.9% | 73.3%-46.4pp | 79.8%-52.9pp | 69.5%-42.6pp |
| Annual return | 25.50% | 25.77%-0.3pp | 43.79%-18.3pp | 81.01%-55.5pp |
| Employer contribution / active EE | $560 | $2,346-76.1% | $3,866-85.5% | $2,440-77.1% |
| Participant deferral / active EE | $881 | $3,586-75.4% | $4,937-82.2% | $3,608-75.6% |
| Admin fee / account holder | $919 | $5,518-83.4% | $9,704-90.5% | $5,124-82.1% |