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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 | $8,854 | $81,262-89.1% | $155,602-94.3% | $80,911-89.1% |
| Participation rate | 54.0% | 66.2%-12.2pp | 78.2%-24.2pp | 67.6%-13.6pp |
| Annual return | 13.85% | 33.34%-19.5pp | 64.81%-51.0pp | 35.63%-21.8pp |
| Employer contribution / active EE | $713 | $3,102-77.0% | $4,675-84.8% | $2,756-74.1% |
| Participant deferral / active EE | $858 | $3,451-75.2% | $5,629-84.8% | $4,297-80.0% |
| Admin fee / account holder | $425 | $7,992-94.7% | $15,923-97.3% | $6,935-93.9% |