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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 | $8,236 | $58,264-85.9% | $86,617-90.5% | $71,495-88.5% |
| Participation rate | 9.6% | 65.0%-55.4pp | 71.7%-62.1pp | 67.9%-58.4pp |
| Annual return | 25.47% | 21.63%+3.8pp | 591.91%-566.4pp | 28.85%-3.4pp |
| Employer contribution / active EE | $0 | $2,574-100.0% | $3,023-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $351 | $3,436-89.8% | $4,437-92.1% | $4,291-91.8% |
| Admin fee / account holder | $659 | $1,057-37.6% | $5,613-88.3% | $1,588-58.5% |