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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 | $9,343 | $73,955-87.4% | $96,520-90.3% | $75,181-87.6% |
| Participation rate | 11.1% | 66.4%-55.3pp | 74.3%-63.2pp | 67.2%-56.1pp |
| Annual return | 24.56% | 26.72%-2.2pp | 35.72%-11.2pp | 160.69%-136.1pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $563 | $3,659-84.6% | $4,879-88.5% | $4,126-86.4% |
| Admin fee / account holder | $805 | $5,217-84.6% | $6,733-88.0% | $5,650-85.8% |