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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 | $10,475 | $70,684-85.2% | $169,390-93.8% | $75,173-86.1% |
| Participation rate | 64.5% | 64.8%-0.3pp | 77.2%-12.7pp | 67.2%-2.7pp |
| Annual return | 16.26% | 36.38%-20.1pp | 406.07%-389.8pp | 160.72%-144.5pp |
| Employer contribution / active EE | $704 | $2,211-68.1% | $4,013-82.4% | $2,671-73.6% |
| Participant deferral / active EE | $1,017 | $4,310-76.4% | $6,222-83.6% | $4,126-75.3% |
| Admin fee / account holder | $1,173 | $5,404-78.3% | $9,015-87.0% | $5,651-79.2% |