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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 | $11,097 | $84,236-86.8% | $170,439-93.5% | $70,124-84.2% |
| Participation rate | 34.1% | 70.8%-36.7pp | 83.6%-49.5pp | 69.5%-35.4pp |
| Annual return | 15.86% | 23.06%-7.2pp | 205.94%-190.1pp | 73.14%-57.3pp |
| Employer contribution / active EE | $412 | $3,387-87.8% | $5,433-92.4% | $2,342-82.4% |
| Participant deferral / active EE | $461 | $3,086-85.1% | $4,939-90.7% | $3,332-86.2% |
| Admin fee / account holder | $429 | $5,698-92.5% | $13,881-96.9% | $4,645-90.8% |