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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 | $8,535 | $112,729-92.4% | $98,716-91.4% | $137,256-93.8% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 18.24% | 38.48%-20.2pp | 31.81%-13.6pp | 220.34%-202.1pp |
| Employer contribution / active EE | $609 | $2,725-77.7% | $2,279-73.3% | $4,156-85.4% |
| Participant deferral / active EE | $1,075 | $4,640-76.8% | $4,048-73.4% | $6,407-83.2% |
| Admin fee / account holder | $2,413 | $10,129-76.2% | $8,703-72.3% | $12,270-80.3% |