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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 | $8,063 | $104,098-92.3% | $140,514-94.3% | $94,015-91.4% |
| Participation rate | 57.6% | 73.7%-16.1pp | 77.8%-20.2pp | 70.8%-13.2pp |
| Annual return | 89.29% | 15.14%+74.2pp | 14.36%+74.9pp | 17.84%+71.4pp |
| Employer contribution / active EE | $997 | $2,388-58.2% | $3,378-70.5% | $2,790-64.2% |
| Participant deferral / active EE | $1,509 | $4,033-62.6% | $4,919-69.3% | $4,249-64.5% |
| Admin fee / account holder | $429 | $10,439-95.9% | $13,697-96.9% | $8,951-95.2% |