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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 | $80,332-90.2% | $107,187-92.6% | $64,097-87.7% |
| Participation rate | 40.0% | 54.4%-14.4pp | 75.0%-35.0pp | 55.2%-15.2pp |
| Annual return | 25.99% | 24.26%+1.7pp | 204.55%-178.6pp | 34.64%-8.7pp |
| Employer contribution / active EE | $701 | $2,501-72.0% | $3,782-81.5% | $1,891-62.9% |
| Participant deferral / active EE | $870 | $3,109-72.0% | $5,096-82.9% | $3,080-71.8% |
| Admin fee / account holder | $840 | $4,314-80.5% | $9,162-90.8% | $3,454-75.7% |