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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 | $9,288 | $76,371-87.8% | $93,621-90.1% | $72,976-87.3% |
| Participation rate | 35.5% | 71.8%-36.3pp | 75.8%-40.4pp | 69.5%-34.0pp |
| Annual return | 28.83% | 25.82%+3.0pp | 32.76%-3.9pp | 81.02%-52.2pp |
| Employer contribution / active EE | $460 | $2,276-79.8% | $2,719-83.1% | $2,440-81.1% |
| Participant deferral / active EE | $980 | $3,538-72.3% | $4,070-75.9% | $3,608-72.8% |
| Admin fee / account holder | $302 | $6,839-95.6% | $7,890-96.2% | $5,124-94.1% |