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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 | $10,043 | $61,755-83.7% | $97,161-89.7% | $80,911-87.6% |
| Participation rate | 39.3% | 63.5%-24.2pp | 72.7%-33.4pp | 67.6%-28.4pp |
| Annual return | 14.74% | -557.90%+572.6pp | 75.36%-60.6pp | 35.63%-20.9pp |
| Employer contribution / active EE | $427 | $1,835-76.7% | $2,723-84.3% | $2,756-84.5% |
| Participant deferral / active EE | $896 | $3,026-70.4% | $4,265-79.0% | $4,297-79.1% |
| Admin fee / account holder | $1,911 | $5,166-63.0% | $5,647-66.2% | $6,935-72.4% |