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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 | $3,839 | $99,053-96.1% | $88,179-95.6% | $138,895-97.2% |
| Participation rate | 43.5% | 74.2%-30.8pp | 69.1%-25.7pp | 79.9%-36.4pp |
| Annual return | 28.32% | 78.17%-49.9pp | 64.97%-36.7pp | 145.39%-117.1pp |
| Employer contribution / active EE | $484 | $2,882-83.2% | $2,549-81.0% | $4,194-88.5% |
| Participant deferral / active EE | $856 | $5,225-83.6% | $4,614-81.5% | $6,396-86.6% |
| Admin fee / account holder | $397 | $8,748-95.5% | $7,673-94.8% | $12,562-96.8% |