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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 | $10,520 | $67,411-84.4% | $91,004-88.4% | $70,126-85.0% |
| Participation rate | 43.3% | 71.4%-28.1pp | 75.6%-32.3pp | 69.5%-26.3pp |
| Annual return | 37.50% | -40.16%+77.7pp | 4.60%+32.9pp | 73.15%-35.6pp |
| Employer contribution / active EE | $368 | $1,786-79.4% | $2,456-85.0% | $2,343-84.3% |
| Participant deferral / active EE | $772 | $2,823-72.7% | $3,548-78.2% | $3,332-76.8% |
| Admin fee / account holder | $944 | $4,236-77.7% | $5,417-82.6% | $4,645-79.7% |