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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 | $9,837 | $79,955-87.7% | $98,450-90.0% | $75,181-86.9% |
| Participation rate | 38.9% | 70.4%-31.5pp | 75.2%-36.3pp | 67.2%-28.3pp |
| Annual return | 0.00% | 19.75%-19.7pp | 21.16%-21.2pp | 160.69%-160.7pp |
| Employer contribution / active EE | $824 | $2,264-63.6% | $3,049-73.0% | $2,671-69.2% |
| Participant deferral / active EE | $1,315 | $3,752-65.0% | $4,739-72.2% | $4,126-68.1% |
| Admin fee / account holder | $423 | $6,841-93.8% | $8,961-95.3% | $5,650-92.5% |