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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 | $4,000 | $52,279-92.3% | $89,414-95.5% | $79,852-95.0% |
| Participation rate | 39.0% | 57.5%-18.5pp | 68.0%-29.0pp | 69.6%-30.6pp |
| Annual return | 37.65% | 22.16%+15.5pp | 245.50%-207.9pp | 31.72%+5.9pp |
| Employer contribution / active EE | $626 | $1,572-60.1% | $2,586-75.8% | $2,471-74.7% |
| Participant deferral / active EE | $763 | $2,740-72.2% | $3,890-80.4% | $3,740-79.6% |
| Admin fee / account holder | $736 | $3,356-78.1% | $4,883-84.9% | $5,306-86.1% |