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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 | $9,886 | $73,978-86.6% | $96,515-89.8% | $75,173-86.8% |
| Participation rate | 49.3% | 66.4%-17.1pp | 74.3%-25.1pp | 67.2%-17.9pp |
| Annual return | 24.21% | 26.72%-2.5pp | 35.73%-11.5pp | 160.72%-136.5pp |
| Employer contribution / active EE | $838 | $2,931-71.4% | $3,740-77.6% | $2,671-68.6% |
| Participant deferral / active EE | $1,389 | $3,660-62.0% | $4,880-71.5% | $4,126-66.3% |
| Admin fee / account holder | $1,280 | $5,219-75.5% | $6,735-81.0% | $5,651-77.4% |