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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 | $10,867 | $77,816-86.0% | $123,549-91.2% | $64,181-83.1% |
| Participation rate | 22.8% | 74.7%-51.9pp | 82.3%-59.5pp | 69.6%-46.8pp |
| Annual return | 4.43% | 12.49%-8.1pp | 119.20%-114.8pp | 7.63%-3.2pp |
| Employer contribution / active EE | $853 | $3,014-71.7% | $4,628-81.6% | $2,381-64.2% |
| Participant deferral / active EE | $1,284 | $5,240-75.5% | $6,426-80.0% | $3,470-63.0% |
| Admin fee / account holder | $1,026 | $5,519-81.4% | $9,284-88.9% | $4,887-79.0% |