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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 | $8,487 | $48,078-82.3% | $78,676-89.2% | $62,881-86.5% |
| Participation rate | 32.5% | 65.2%-32.7pp | 73.6%-41.1pp | 69.3%-36.8pp |
| Annual return | 8.38% | 31.36%-23.0pp | 62.19%-53.8pp | 20.14%-11.8pp |
| Employer contribution / active EE | $615 | $2,015-69.5% | $2,850-78.4% | $2,281-73.1% |
| Participant deferral / active EE | $675 | $2,587-73.9% | $3,517-80.8% | $3,203-78.9% |
| Admin fee / account holder | $362 | $3,206-88.7% | $4,510-92.0% | $4,296-91.6% |