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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 | $8,381 | $61,390-86.3% | $112,228-92.5% | $75,177-88.9% |
| Participation rate | 39.0% | 61.6%-22.7pp | 72.4%-33.5pp | 67.2%-28.2pp |
| Annual return | 18.32% | 28.47%-10.1pp | 30.23%-11.9pp | 160.75%-142.4pp |
| Employer contribution / active EE | $531 | $2,015-73.6% | $3,432-84.5% | $2,671-80.1% |
| Participant deferral / active EE | $854 | $3,108-72.5% | $4,800-82.2% | $4,126-79.3% |
| Admin fee / account holder | $561 | $4,862-88.5% | $7,752-92.8% | $5,651-90.1% |