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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 | $7,001 | $100,279-93.0% | $81,353-91.4% | $145,884-95.2% |
| Participation rate | 63.6% | 74.3%-10.6pp | 69.5%-5.9pp | 80.3%-16.7pp |
| Annual return | 11.84% | 34.49%-22.6pp | 24.82%-13.0pp | 551.85%-540.0pp |
| Employer contribution / active EE | $610 | $2,979-79.5% | $2,464-75.3% | $4,662-86.9% |
| Participant deferral / active EE | $641 | $4,611-86.1% | $3,885-83.5% | $6,690-90.4% |
| Admin fee / account holder | $1,176 | $8,206-85.7% | $5,766-79.6% | $13,392-91.2% |