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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 | $9,211 | $77,638-88.1% | $156,551-94.1% | $62,881-85.4% |
| Participation rate | 52.1% | 71.2%-19.1pp | 84.0%-32.0pp | 69.3%-17.2pp |
| Annual return | 12.20% | 50.33%-38.1pp | 32.23%-20.0pp | 20.14%-7.9pp |
| Employer contribution / active EE | $574 | $3,444-83.3% | $5,501-89.6% | $2,281-74.8% |
| Participant deferral / active EE | $699 | $3,046-77.0% | $4,871-85.7% | $3,203-78.2% |
| Admin fee / account holder | $515 | $5,561-90.7% | $13,028-96.0% | $4,296-88.0% |