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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 | $7,746 | $78,423-90.1% | $95,964-91.9% | $79,856-90.3% |
| Participation rate | 46.5% | 73.5%-27.0pp | 77.1%-30.6pp | 69.6%-23.1pp |
| Annual return | 18.15% | 19.37%-1.2pp | 91.64%-73.5pp | 31.71%-13.6pp |
| Employer contribution / active EE | $502 | $1,945-74.2% | $2,541-80.2% | $2,471-79.7% |
| Participant deferral / active EE | $1,298 | $3,440-62.3% | $4,167-68.9% | $3,741-65.3% |
| Admin fee / account holder | $1,524 | $5,622-72.9% | $6,797-77.6% | $5,306-71.3% |