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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 | $7,976 | $78,520-89.8% | $96,576-91.7% | $82,448-90.3% |
| Participation rate | 61.9% | 77.7%-15.8pp | 81.4%-19.5pp | 68.1%-6.2pp |
| Annual return | 46.65% | 41.30%+5.3pp | 38.47%+8.2pp | 41.64%+5.0pp |
| Employer contribution / active EE | $1,329 | $2,630-49.5% | $3,553-62.6% | $2,551-47.9% |
| Participant deferral / active EE | $1,624 | $6,754-76.0% | $7,956-79.6% | $4,139-60.8% |
| Admin fee / account holder | $300 | $13,455-97.8% | $11,381-97.4% | $7,234-95.8% |