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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 | $8,746 | $77,638-88.7% | $156,551-94.4% | $62,881-86.1% |
| Participation rate | 61.0% | 71.2%-10.2pp | 84.0%-23.0pp | 69.3%-8.3pp |
| Annual return | 7.39% | 50.33%-42.9pp | 32.23%-24.8pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,305 | $3,444-62.1% | $5,501-76.3% | $2,281-42.8% |
| Participant deferral / active EE | $560 | $3,046-81.6% | $4,871-88.5% | $3,203-82.5% |
| Admin fee / account holder | $770 | $5,561-86.2% | $13,028-94.1% | $4,296-82.1% |