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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 | $9,033 | $32,425-72.1% | $74,577-87.9% | $55,167-83.6% |
| Participation rate | 13.6% | 54.0%-40.4pp | 68.1%-54.5pp | 69.0%-55.4pp |
| Annual return | 9.26% | 10.63%-1.4pp | 20.47%-11.2pp | 169.23%-160.0pp |
| Employer contribution / active EE | $0 | $1,043-100.0% | $2,525-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $527 | $1,995-73.6% | $3,458-84.8% | $3,054-82.7% |
| Admin fee / account holder | $592 | $748-20.8% | $4,138-85.7% | $504+17.6% |