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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 | $95,453-91.6% | $112,040-92.8% | $82,448-90.2% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.5%-18.9pp | 68.1%-10.5pp |
| Annual return | 89.29% | 23.92%+65.4pp | 24.52%+64.8pp | 41.64%+47.6pp |
| Employer contribution / active EE | $997 | $2,318-57.0% | $2,954-66.2% | $2,551-60.9% |
| Participant deferral / active EE | $1,509 | $4,224-64.3% | $5,098-70.4% | $4,139-63.6% |
| Admin fee / account holder | $429 | $9,013-95.2% | $12,098-96.5% | $7,234-94.1% |