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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 | $9,190 | $101,069-90.9% | $81,478-88.7% | $147,585-93.8% |
| Participation rate | 30.4% | 74.5%-44.0pp | 68.0%-37.5pp | 82.8%-52.4pp |
| Annual return | 22.41% | 32.40%-10.0pp | 38.78%-16.4pp | 578.57%-556.2pp |
| Employer contribution / active EE | $456 | $3,205-85.8% | $2,568-82.3% | $4,876-90.7% |
| Participant deferral / active EE | $456 | $4,242-89.3% | $3,537-87.1% | $5,439-91.6% |
| Admin fee / account holder | $844 | $5,812-85.5% | $4,561-81.5% | $10,885-92.2% |