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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 | $11,544 | $68,681-83.2% | $86,625-86.7% | $85,851-86.6% |
| Participation rate | 45.9% | 66.4%-20.4pp | 71.6%-25.7pp | 69.3%-23.4pp |
| Annual return | 16.99% | 20.12%-3.1pp | 63.52%-46.5pp | 318.63%-301.6pp |
| Employer contribution / active EE | $522 | $1,880-72.2% | $2,496-79.1% | $2,565-79.6% |
| Participant deferral / active EE | $612 | $2,919-79.0% | $3,700-83.5% | $3,952-84.5% |
| Admin fee / account holder | $343 | $5,974-94.3% | $5,830-94.1% | $6,261-94.5% |