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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 | $12,242 | $68,880-82.2% | $120,580-89.8% | $80,959-84.9% |
| Participation rate | 43.3% | 61.7%-18.4pp | 72.0%-28.6pp | 67.7%-24.3pp |
| Annual return | 17.14% | 23.68%-6.5pp | 107.48%-90.3pp | 35.67%-18.5pp |
| Employer contribution / active EE | $837 | $2,066-59.5% | $3,469-75.9% | $2,757-69.6% |
| Participant deferral / active EE | $1,090 | $3,191-65.8% | $4,995-78.2% | $4,300-74.6% |
| Admin fee / account holder | $1,393 | $5,785-75.9% | $9,418-85.2% | $6,925-79.9% |