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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 | $7,268 | $110,212-93.4% | $96,534-92.5% | $139,466-94.8% |
| Participation rate | 50.0% | 78.1%-28.1pp | 76.0%-26.0pp | 80.3%-30.3pp |
| Annual return | 41.26% | 26.42%+14.8pp | 25.88%+15.4pp | 373.66%-332.4pp |
| Employer contribution / active EE | $1,048 | $3,620-71.1% | $2,965-64.7% | $4,754-78.0% |
| Participant deferral / active EE | $1,262 | $5,547-77.3% | $4,851-74.0% | $6,712-81.2% |
| Admin fee / account holder | $383 | $11,599-96.7% | $8,253-95.4% | $11,409-96.6% |