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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 | $7,071 | $77,908-90.9% | $149,696-95.3% | $75,173-90.6% |
| Participation rate | 28.8% | 65.6%-36.7pp | 78.8%-49.9pp | 67.2%-38.4pp |
| Annual return | 25.65% | 31.73%-6.1pp | 134.46%-108.8pp | 160.72%-135.1pp |
| Employer contribution / active EE | $447 | $3,138-85.7% | $4,821-90.7% | $2,671-83.3% |
| Participant deferral / active EE | $566 | $3,411-83.4% | $5,682-90.0% | $4,126-86.3% |
| Admin fee / account holder | $1,997 | $5,950-66.4% | $13,212-84.9% | $5,651-64.7% |