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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 | $9,631 | $65,034-85.2% | $90,970-89.4% | $79,856-87.9% |
| Participation rate | 29.6% | 61.6%-32.0pp | 69.0%-39.4pp | 69.6%-40.0pp |
| Annual return | 25.74% | 30.45%-4.7pp | 134.60%-108.9pp | 31.71%-6.0pp |
| Employer contribution / active EE | $445 | $1,247-64.4% | $2,122-79.0% | $2,471-82.0% |
| Participant deferral / active EE | $676 | $2,512-73.1% | $3,373-79.9% | $3,741-81.9% |
| Admin fee / account holder | $306 | $4,536-93.2% | $5,961-94.9% | $5,306-94.2% |