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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 | $8,322 | $66,402-87.5% | $109,907-92.4% | $85,847-90.3% |
| Participation rate | 51.3% | 63.9%-12.5pp | 74.2%-22.9pp | 69.3%-18.0pp |
| Annual return | 13.87% | 19.59%-5.7pp | 29.46%-15.6pp | 318.61%-304.7pp |
| Employer contribution / active EE | $474 | $1,687-71.9% | $2,844-83.3% | $2,565-81.5% |
| Participant deferral / active EE | $873 | $2,842-69.3% | $4,047-78.4% | $3,952-77.9% |
| Admin fee / account holder | $518 | $4,557-88.6% | $6,069-91.5% | $6,261-91.7% |