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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 | $8,072 | $50,082-83.9% | $93,515-91.4% | $79,856-89.9% |
| Participation rate | 24.0% | 60.9%-36.9pp | 66.8%-42.8pp | 69.6%-45.6pp |
| Annual return | 38.27% | 24.59%+13.7pp | 78.21%-39.9pp | 31.71%+6.6pp |
| Employer contribution / active EE | $453 | $1,303-65.2% | $2,077-78.2% | $2,471-81.7% |
| Participant deferral / active EE | $763 | $2,212-65.5% | $3,129-75.6% | $3,741-79.6% |
| Admin fee / account holder | $1,032 | $3,454-70.1% | $5,235-80.3% | $5,306-80.5% |