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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 | $8,197 | $70,666-88.4% | $169,385-95.2% | $75,181-89.1% |
| Participation rate | 35.0% | 64.8%-29.8pp | 77.2%-42.2pp | 67.2%-32.2pp |
| Annual return | 16.51% | 36.37%-19.9pp | 405.82%-389.3pp | 160.69%-144.2pp |
| Employer contribution / active EE | $497 | $2,210-77.5% | $4,012-87.6% | $2,671-81.4% |
| Participant deferral / active EE | $645 | $4,308-85.0% | $6,221-89.6% | $4,126-84.4% |
| Admin fee / account holder | $1,524 | $5,402-71.8% | $9,011-83.1% | $5,650-73.0% |