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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 | $9,668 | $77,638-87.5% | $156,551-93.8% | $62,881-84.6% |
| Participation rate | 30.0% | 71.2%-41.2pp | 84.0%-54.0pp | 69.3%-39.3pp |
| Annual return | 8.51% | 50.33%-41.8pp | 32.23%-23.7pp | 20.14%-11.6pp |
| Employer contribution / active EE | $379 | $3,444-89.0% | $5,501-93.1% | $2,281-83.4% |
| Participant deferral / active EE | $515 | $3,046-83.1% | $4,871-89.4% | $3,203-83.9% |
| Admin fee / account holder | $824 | $5,561-85.2% | $13,028-93.7% | $4,296-80.8% |