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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 | $11,988 | $77,962-84.6% | $178,540-93.3% | $80,935-85.2% |
| Participation rate | 40.5% | 65.7%-25.1pp | 77.1%-36.6pp | 67.7%-27.1pp |
| Annual return | 75.61% | 18.10%+57.5pp | 27.15%+48.5pp | 35.66%+40.0pp |
| Employer contribution / active EE | $747 | $2,280-67.2% | $3,953-81.1% | $2,757-72.9% |
| Participant deferral / active EE | $1,364 | $4,404-69.0% | $6,281-78.3% | $4,299-68.3% |
| Admin fee / account holder | $7,106 | $7,156-0.7% | $10,424-31.8% | $6,924+2.6% |