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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 | $11,865 | $65,041-81.8% | $90,965-87.0% | $79,858-85.1% |
| Participation rate | 27.7% | 61.6%-33.9pp | 69.0%-41.3pp | 69.6%-41.9pp |
| Annual return | 16.79% | 30.45%-13.7pp | 134.57%-117.8pp | 31.72%-14.9pp |
| Employer contribution / active EE | $323 | $1,247-74.1% | $2,122-84.8% | $2,471-86.9% |
| Participant deferral / active EE | $462 | $2,512-81.6% | $3,373-86.3% | $3,740-87.6% |
| Admin fee / account holder | $318 | $4,536-93.0% | $5,960-94.7% | $5,306-94.0% |