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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 | $11,887 | $84,236-85.9% | $170,435-93.0% | $70,126-83.0% |
| Participation rate | 47.9% | 70.8%-22.9pp | 83.6%-35.7pp | 69.5%-21.6pp |
| Annual return | 12.63% | 23.06%-10.4pp | 205.94%-193.3pp | 73.15%-60.5pp |
| Employer contribution / active EE | $476 | $3,387-86.0% | $5,432-91.2% | $2,343-79.7% |
| Participant deferral / active EE | $417 | $3,086-86.5% | $4,939-91.6% | $3,332-87.5% |
| Admin fee / account holder | $1,330 | $5,698-76.7% | $13,881-90.4% | $4,645-71.4% |