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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 | $8,862 | $70,666-87.5% | $169,385-94.8% | $75,181-88.2% |
| Participation rate | 64.3% | 64.8%-0.5pp | 77.2%-12.9pp | 67.2%-2.9pp |
| Annual return | 18.29% | 36.37%-18.1pp | 405.82%-387.5pp | 160.69%-142.4pp |
| Employer contribution / active EE | $1,039 | $2,210-53.0% | $4,012-74.1% | $2,671-61.1% |
| Participant deferral / active EE | $1,218 | $4,308-71.7% | $6,221-80.4% | $4,126-70.5% |
| Admin fee / account holder | $557 | $5,402-89.7% | $9,011-93.8% | $5,650-90.1% |