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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 | $9,843 | $78,520-87.5% | $96,576-89.8% | $82,448-88.1% |
| Participation rate | 9.6% | 77.7%-68.2pp | 81.4%-71.9pp | 68.1%-58.5pp |
| Annual return | 22.01% | 41.30%-19.3pp | 38.47%-16.5pp | 41.64%-19.6pp |
| Employer contribution / active EE | $31 | $2,630-98.8% | $3,553-99.1% | $2,551-98.8% |
| Participant deferral / active EE | $311 | $6,754-95.4% | $7,956-96.1% | $4,139-92.5% |
| Admin fee / account holder | $655 | $13,455-95.1% | $11,381-94.2% | $7,234-90.9% |