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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 | $12,297 | $98,766-87.5% | $149,730-91.8% | $79,852-84.6% |
| Participation rate | 34.2% | 75.8%-41.6pp | 82.5%-48.3pp | 69.6%-35.4pp |
| Annual return | 20.58% | 27.43%-6.8pp | 276.70%-256.1pp | 31.72%-11.1pp |
| Employer contribution / active EE | $897 | $3,217-72.1% | $4,645-80.7% | $2,471-63.7% |
| Participant deferral / active EE | $1,403 | $5,681-75.3% | $6,843-79.5% | $3,740-62.5% |
| Admin fee / account holder | $800 | $6,052-86.8% | $9,310-91.4% | $5,306-84.9% |