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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 | $9,306 | $56,134-83.4% | $96,171-90.3% | $85,847-89.2% |
| Participation rate | 16.9% | 56.7%-39.8pp | 68.4%-51.5pp | 69.3%-52.4pp |
| Annual return | 13.25% | 42.30%-29.1pp | 192.04%-178.8pp | 318.61%-305.4pp |
| Employer contribution / active EE | $329 | $1,620-79.7% | $2,799-88.3% | $2,565-87.2% |
| Participant deferral / active EE | $358 | $2,858-87.5% | $4,350-91.8% | $3,952-91.0% |
| Admin fee / account holder | $1,141 | $3,769-69.7% | $5,538-79.4% | $6,261-81.8% |