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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 | $9,848 | $93,589-89.5% | $135,942-92.8% | $75,181-86.9% |
| Participation rate | 46.8% | 75.2%-28.4pp | 81.9%-35.2pp | 67.2%-20.4pp |
| Annual return | 25.97% | 30.90%-4.9pp | 68.28%-42.3pp | 160.69%-134.7pp |
| Employer contribution / active EE | $1,011 | $3,537-71.4% | $4,858-79.2% | $2,671-62.1% |
| Participant deferral / active EE | $1,750 | $6,405-72.7% | $7,759-77.4% | $4,126-57.6% |
| Admin fee / account holder | $4,216 | $6,977-39.6% | $10,764-60.8% | $5,650-25.4% |