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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 | $8,755 | $71,230-87.7% | $93,727-90.7% | $80,959-89.2% |
| Participation rate | 36.7% | 60.4%-23.7pp | 68.7%-32.0pp | 67.7%-31.0pp |
| Annual return | 12.90% | 11.26%+1.6pp | 133.83%-120.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $760 | $1,565-51.4% | $2,421-68.6% | $2,757-72.4% |
| Participant deferral / active EE | $786 | $4,037-80.5% | $4,417-82.2% | $4,300-81.7% |
| Admin fee / account holder | $1,548 | $6,961-77.8% | $8,292-81.3% | $6,925-77.6% |