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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 | $9,316 | $71,208-86.9% | $93,681-90.1% | $80,911-88.5% |
| Participation rate | 21.1% | 60.4%-39.3pp | 68.7%-47.7pp | 67.6%-46.6pp |
| Annual return | 15.42% | 11.27%+4.1pp | 133.47%-118.1pp | 35.63%-20.2pp |
| Employer contribution / active EE | $653 | $1,564-58.3% | $2,422-73.0% | $2,756-76.3% |
| Participant deferral / active EE | $690 | $4,035-82.9% | $4,415-84.4% | $4,297-84.0% |
| Admin fee / account holder | $2,524 | $6,951-63.7% | $8,290-69.5% | $6,935-63.6% |