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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 | $7,235 | $106,918-93.2% | $84,021-91.4% | $152,897-95.3% |
| Participation rate | 55.6% | 75.2%-19.7pp | 69.0%-13.5pp | 82.5%-26.9pp |
| Annual return | 21.90% | 105.01%-83.1pp | 71.32%-49.4pp | 345.43%-323.5pp |
| Employer contribution / active EE | $746 | $2,735-72.7% | $1,984-62.4% | $4,764-84.3% |
| Participant deferral / active EE | $974 | $4,012-75.7% | $3,239-69.9% | $5,851-83.4% |
| Admin fee / account holder | $1,043 | $8,288-87.4% | $6,102-82.9% | $11,599-91.0% |