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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 | $3,636 | $105,145-96.5% | $94,664-96.2% | $139,466-97.4% |
| Participation rate | 58.3% | 82.4%-24.0pp | 80.8%-22.5pp | 80.3%-22.0pp |
| Annual return | 20.46% | 38.09%-17.6pp | 156.84%-136.4pp | 373.66%-353.2pp |
| Employer contribution / active EE | $458 | $4,107-88.8% | $3,673-87.5% | $4,754-90.4% |
| Participant deferral / active EE | $480 | $7,599-93.7% | $7,417-93.5% | $6,712-92.9% |
| Admin fee / account holder | $368 | $8,972-95.9% | $7,222-94.9% | $11,409-96.8% |