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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 | $12,759 | $54,213-76.5% | $93,696-86.4% | $77,736-83.6% |
| Participation rate | 9.9% | 64.0%-54.0pp | 68.7%-58.8pp | 70.6%-60.7pp |
| Annual return | 17.99% | 30.55%-12.6pp | 133.74%-115.7pp | 31.26%-13.3pp |
| Employer contribution / active EE | $291 | $1,168-75.1% | $2,422-88.0% | $2,728-89.3% |
| Participant deferral / active EE | $570 | $3,145-81.9% | $4,417-87.1% | $4,651-87.7% |
| Admin fee / account holder | $6,028 | $575+948.7% | $8,287-27.3% | $433+1291.2% |