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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 | $11,060 | $99,875-88.9% | $146,866-92.5% | $86,983-87.3% |
| Participation rate | 41.0% | 75.8%-34.8pp | 82.5%-41.5pp | 69.5%-28.6pp |
| Annual return | 23.31% | 28.10%-4.8pp | 102.85%-79.5pp | 25.83%-2.5pp |
| Employer contribution / active EE | $870 | $3,224-73.0% | $4,425-80.3% | $2,584-66.3% |
| Participant deferral / active EE | $1,312 | $6,322-79.2% | $7,759-83.1% | $4,194-68.7% |
| Admin fee / account holder | $558 | $7,838-92.9% | $13,620-95.9% | $7,856-92.9% |