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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 | $6,944 | $78,423-91.1% | $95,964-92.8% | $79,856-91.3% |
| Participation rate | 34.8% | 73.5%-38.6pp | 77.1%-42.2pp | 69.6%-34.8pp |
| Annual return | 32.41% | 19.37%+13.0pp | 91.64%-59.2pp | 31.71%+0.7pp |
| Employer contribution / active EE | $739 | $1,945-62.0% | $2,541-70.9% | $2,471-70.1% |
| Participant deferral / active EE | $1,253 | $3,440-63.6% | $4,167-69.9% | $3,741-66.5% |
| Admin fee / account holder | $390 | $5,622-93.1% | $6,797-94.3% | $5,306-92.6% |