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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 | $11,573 | $63,861-81.9% | $104,614-88.9% | $79,858-85.5% |
| Participation rate | 45.3% | 64.9%-19.6pp | 74.1%-28.8pp | 69.6%-24.4pp |
| Annual return | 11.47% | 21.30%-9.8pp | 340.56%-329.1pp | 31.72%-20.3pp |
| Employer contribution / active EE | $301 | $1,588-81.1% | $2,681-88.8% | $2,471-87.8% |
| Participant deferral / active EE | $747 | $2,693-72.3% | $3,739-80.0% | $3,740-80.0% |
| Admin fee / account holder | $1,811 | $4,185-56.7% | $6,464-72.0% | $5,306-65.9% |