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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 | $8,774 | $82,678-89.4% | $125,391-93.0% | $68,490-87.2% |
| Participation rate | 61.0% | 75.1%-14.1pp | 82.4%-21.4pp | 67.9%-6.9pp |
| Annual return | 10.03% | -5.97%+16.0pp | 572.41%-562.4pp | -7.85%+17.9pp |
| Employer contribution / active EE | $1,309 | $3,382-61.3% | $4,816-72.8% | $2,597-49.6% |
| Participant deferral / active EE | $1,806 | $6,111-70.4% | $7,448-75.7% | $4,028-55.2% |
| Admin fee / account holder | $506 | $6,277-91.9% | $10,009-94.9% | $5,403-90.6% |