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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 | $9,934 | $98,766-89.9% | $149,730-93.4% | $79,852-87.6% |
| Participation rate | 30.0% | 75.8%-45.8pp | 82.5%-52.5pp | 69.6%-39.6pp |
| Annual return | 23.34% | 27.43%-4.1pp | 276.70%-253.4pp | 31.72%-8.4pp |
| Employer contribution / active EE | $753 | $3,217-76.6% | $4,645-83.8% | $2,471-69.5% |
| Participant deferral / active EE | $1,185 | $5,681-79.1% | $6,843-82.7% | $3,740-68.3% |
| Admin fee / account holder | $506 | $6,052-91.6% | $9,310-94.6% | $5,306-90.5% |