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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 | $8,188 | $78,520-89.6% | $96,576-91.5% | $82,448-90.1% |
| Participation rate | 33.3% | 77.7%-44.4pp | 81.4%-48.1pp | 68.1%-34.7pp |
| Annual return | 22.38% | 41.30%-18.9pp | 38.47%-16.1pp | 41.64%-19.3pp |
| Employer contribution / active EE | $832 | $2,630-68.4% | $3,553-76.6% | $2,551-67.4% |
| Participant deferral / active EE | $1,211 | $6,754-82.1% | $7,956-84.8% | $4,139-70.7% |
| Admin fee / account holder | $3,819 | $13,455-71.6% | $11,381-66.4% | $7,234-47.2% |