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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 | $9,380 | $76,112-87.7% | $96,534-90.3% | $71,511-86.9% |
| Participation rate | 12.8% | 74.4%-61.6pp | 76.0%-63.1pp | 67.9%-55.1pp |
| Annual return | 68.18% | 22.81%+45.4pp | 25.88%+42.3pp | 28.86%+39.3pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $371 | $4,217-91.2% | $4,851-92.4% | $4,291-91.4% |
| Admin fee / account holder | $341 | $2,708-87.4% | $8,253-95.9% | $1,588-78.5% |