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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 | $9,099 | $111,787-91.9% | $93,681-90.3% | $145,978-93.8% |
| Participation rate | 56.3% | 74.2%-18.0pp | 68.7%-12.5pp | 80.3%-24.0pp |
| Annual return | 12.02% | 203.52%-191.5pp | 133.47%-121.5pp | 550.52%-538.5pp |
| Employer contribution / active EE | $1,402 | $3,093-54.7% | $2,422-42.1% | $4,662-69.9% |
| Participant deferral / active EE | $1,032 | $4,918-79.0% | $4,415-76.6% | $6,690-84.6% |
| Admin fee / account holder | $1,958 | $10,256-80.9% | $8,290-76.4% | $13,400-85.4% |