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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 | $11,834 | $77,638-84.8% | $156,551-92.4% | $62,881-81.2% |
| Participation rate | 45.7% | 71.2%-25.5pp | 84.0%-38.4pp | 69.3%-23.7pp |
| Annual return | 6.94% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $765 | $3,444-77.8% | $5,501-86.1% | $2,281-66.4% |
| Participant deferral / active EE | $466 | $3,046-84.7% | $4,871-90.4% | $3,203-85.5% |
| Admin fee / account holder | $1,421 | $5,561-74.5% | $13,028-89.1% | $4,296-66.9% |