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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 | $9,065 | $74,535-87.8% | $100,712-91.0% | $82,637-89.0% |
| Participation rate | 39.0% | 61.2%-22.2pp | 69.3%-30.3pp | 68.1%-29.1pp |
| Annual return | 20.47% | 18.92%+1.5pp | 33.27%-12.8pp | 53.51%-33.0pp |
| Employer contribution / active EE | $525 | $1,503-65.1% | $2,313-77.3% | $2,552-79.4% |
| Participant deferral / active EE | $774 | $3,074-74.8% | $4,085-81.1% | $4,126-81.3% |
| Admin fee / account holder | $578 | $6,576-91.2% | $9,256-93.8% | $7,339-92.1% |