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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 | $8,956 | $71,215-87.4% | $93,696-90.4% | $80,935-88.9% |
| Participation rate | 34.2% | 60.4%-26.2pp | 68.7%-34.5pp | 67.7%-33.5pp |
| Annual return | 12.09% | 11.27%+0.8pp | 133.74%-121.7pp | 35.66%-23.6pp |
| Employer contribution / active EE | $447 | $1,565-71.5% | $2,422-81.5% | $2,757-83.8% |
| Participant deferral / active EE | $558 | $4,037-86.2% | $4,417-87.4% | $4,299-87.0% |
| Admin fee / account holder | $1,155 | $6,958-83.4% | $8,287-86.1% | $6,924-83.3% |