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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 | $8,284 | $65,027-87.3% | $90,970-90.9% | $79,852-89.6% |
| Participation rate | 34.0% | 61.6%-27.6pp | 69.0%-35.1pp | 69.6%-35.7pp |
| Annual return | 18.60% | 30.45%-11.9pp | 134.58%-116.0pp | 31.72%-13.1pp |
| Employer contribution / active EE | $365 | $1,247-70.8% | $2,122-82.8% | $2,471-85.2% |
| Participant deferral / active EE | $760 | $2,512-69.7% | $3,373-77.5% | $3,740-79.7% |
| Admin fee / account holder | $576 | $4,535-87.3% | $5,960-90.3% | $5,306-89.2% |