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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 | $18,633 | $65,034-71.3% | $90,970-79.5% | $79,856-76.7% |
| Participation rate | 7.1% | 61.6%-54.5pp | 69.0%-61.9pp | 69.6%-62.5pp |
| Annual return | 38.19% | 30.45%+7.7pp | 134.60%-96.4pp | 31.71%+6.5pp |
| Employer contribution / active EE | $338 | $1,247-72.9% | $2,122-84.1% | $2,471-86.3% |
| Participant deferral / active EE | $657 | $2,512-73.9% | $3,373-80.5% | $3,741-82.4% |
| Admin fee / account holder | $940 | $4,536-79.3% | $5,961-84.2% | $5,306-82.3% |