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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 | $8,418 | $65,041-87.1% | $90,965-90.7% | $79,858-89.5% |
| Participation rate | 31.8% | 61.6%-29.8pp | 69.0%-37.2pp | 69.6%-37.8pp |
| Annual return | 10.20% | 30.45%-20.2pp | 134.57%-124.4pp | 31.72%-21.5pp |
| Employer contribution / active EE | $503 | $1,247-59.7% | $2,122-76.3% | $2,471-79.6% |
| Participant deferral / active EE | $662 | $2,512-73.7% | $3,373-80.4% | $3,740-82.3% |
| Admin fee / account holder | $641 | $4,536-85.9% | $5,960-89.2% | $5,306-87.9% |