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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 | $9,398 | $62,586-85.0% | $76,766-87.8% | $64,181-85.4% |
| Participation rate | 30.8% | 72.8%-42.0pp | 77.0%-46.2pp | 69.6%-38.8pp |
| Annual return | 9.42% | -1.95%+11.4pp | 2.43%+7.0pp | 7.63%+1.8pp |
| Employer contribution / active EE | $787 | $1,832-57.1% | $2,485-68.3% | $2,381-67.0% |
| Participant deferral / active EE | $1,034 | $3,145-67.1% | $3,851-73.2% | $3,470-70.2% |
| Admin fee / account holder | $2,631 | $4,667-43.6% | $6,675-60.6% | $4,887-46.2% |