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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 | $5,296 | $93,598-94.3% | $135,974-96.1% | $75,173-93.0% |
| Participation rate | 45.5% | 75.2%-29.7pp | 81.9%-36.5pp | 67.2%-21.7pp |
| Annual return | 40.49% | 30.89%+9.6pp | 68.30%-27.8pp | 160.72%-120.2pp |
| Employer contribution / active EE | $875 | $3,538-75.3% | $4,859-82.0% | $2,671-67.3% |
| Participant deferral / active EE | $1,142 | $6,405-82.2% | $7,760-85.3% | $4,126-72.3% |
| Admin fee / account holder | $387 | $6,978-94.5% | $10,767-96.4% | $5,651-93.2% |