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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 | $8,269 | $48,053-82.8% | $84,628-90.2% | $72,975-88.7% |
| Participation rate | 25.0% | 57.6%-32.6pp | 68.2%-43.2pp | 69.5%-44.5pp |
| Annual return | 27.33% | 37.39%-10.1pp | 258.80%-231.5pp | 81.01%-53.7pp |
| Employer contribution / active EE | $438 | $1,602-72.6% | $2,653-83.5% | $2,440-82.0% |
| Participant deferral / active EE | $734 | $2,681-72.6% | $3,900-81.2% | $3,608-79.7% |
| Admin fee / account holder | $380 | $3,395-88.8% | $4,914-92.3% | $5,124-92.6% |