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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 | $11,705 | $98,760-88.1% | $149,715-92.2% | $79,858-85.3% |
| Participation rate | 7.7% | 75.8%-68.1pp | 82.5%-74.8pp | 69.6%-61.9pp |
| Annual return | 17.01% | 27.43%-10.4pp | 276.66%-259.6pp | 31.72%-14.7pp |
| Employer contribution / active EE | $1,382 | $3,217-57.1% | $4,645-70.3% | $2,471-44.1% |
| Participant deferral / active EE | $2,079 | $5,681-63.4% | $6,842-69.6% | $3,740-44.4% |
| Admin fee / account holder | $588 | $6,053-90.3% | $9,310-93.7% | $5,306-88.9% |