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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 | $7,842 | $75,058-89.6% | $152,301-94.9% | $64,340-87.8% |
| Participation rate | 30.0% | 60.9%-30.9pp | 82.4%-52.4pp | 55.2%-25.2pp |
| Annual return | 20.48% | 29.93%-9.4pp | 80.50%-60.0pp | 24.14%-3.7pp |
| Employer contribution / active EE | $265 | $2,605-89.8% | $4,624-94.3% | $1,862-85.8% |
| Participant deferral / active EE | $1,147 | $5,041-77.2% | $8,004-85.7% | $2,980-61.5% |
| Admin fee / account holder | $1,950 | $4,050-51.9% | $14,398-86.5% | $3,703-47.3% |