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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 | $8,219 | $106,749-92.3% | $145,433-94.3% | $82,448-90.0% |
| Participation rate | 60.0% | 75.6%-15.6pp | 82.1%-22.1pp | 68.1%-8.1pp |
| Annual return | 18.94% | 27.59%-8.7pp | 66.58%-47.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $830 | $3,444-75.9% | $4,554-81.8% | $2,551-67.5% |
| Participant deferral / active EE | $1,451 | $6,519-77.7% | $7,897-81.6% | $4,139-64.9% |
| Admin fee / account holder | $427 | $8,390-94.9% | $13,129-96.7% | $7,234-94.1% |