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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 | $11,679 | $69,977-83.3% | $108,582-89.2% | $62,881-81.4% |
| Participation rate | 34.0% | 72.9%-38.9pp | 79.6%-45.6pp | 69.3%-35.3pp |
| Annual return | 9.10% | 10.73%-1.6pp | -51.70%+60.8pp | 20.14%-11.0pp |
| Employer contribution / active EE | $834 | $2,135-61.0% | $3,758-77.8% | $2,281-63.5% |
| Participant deferral / active EE | $1,087 | $3,165-65.7% | $4,311-74.8% | $3,203-66.1% |
| Admin fee / account holder | $1,962 | $5,076-61.3% | $7,645-74.3% | $4,296-54.3% |