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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 | $11,504 | $99,652-88.5% | $78,778-85.4% | $147,586-92.2% |
| Participation rate | 42.9% | 76.2%-33.4pp | 69.2%-26.3pp | 82.8%-40.0pp |
| Annual return | 13.65% | 47.28%-33.6pp | 35.62%-22.0pp | 578.59%-564.9pp |
| Employer contribution / active EE | $409 | $2,796-85.4% | $1,986-79.4% | $4,876-91.6% |
| Participant deferral / active EE | $435 | $3,664-88.1% | $2,958-85.3% | $5,439-92.0% |
| Admin fee / account holder | $906 | $7,155-87.3% | $5,134-82.4% | $10,886-91.7% |