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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 | $7,922 | $106,524-92.6% | $152,301-94.8% | $87,485-90.9% |
| Participation rate | 37.2% | 75.8%-38.5pp | 82.4%-45.2pp | 68.9%-31.7pp |
| Annual return | 16.50% | 26.89%-10.4pp | 80.50%-64.0pp | 26.06%-9.6pp |
| Employer contribution / active EE | $749 | $3,371-77.8% | $4,624-83.8% | $2,596-71.2% |
| Participant deferral / active EE | $1,216 | $6,525-81.4% | $8,004-84.8% | $4,274-71.5% |
| Admin fee / account holder | $4,058 | $8,287-51.0% | $14,398-71.8% | $7,775-47.8% |