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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 | $7,888 | $83,369-90.5% | $105,223-92.5% | $67,986-88.4% |
| Participation rate | 40.0% | 56.3%-16.3pp | 75.0%-35.0pp | 57.2%-17.2pp |
| Annual return | 25.99% | 24.64%+1.3pp | 180.65%-154.7pp | 31.67%-5.7pp |
| Employer contribution / active EE | $701 | $2,541-72.4% | $3,689-81.0% | $2,019-65.3% |
| Participant deferral / active EE | $870 | $3,295-73.6% | $5,072-82.9% | $3,358-74.1% |
| Admin fee / account holder | $840 | $4,073-79.4% | $8,859-90.5% | $3,203-73.8% |