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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 | $17,373 | $51,708-66.4% | $106,619-83.7% | $62,881-72.4% |
| Participation rate | 69.2% | 66.9%+2.4pp | 78.0%-8.8pp | 69.3%-0.1pp |
| Annual return | 7.78% | 4.69%+3.1pp | 9.42%-1.6pp | 20.14%-12.4pp |
| Employer contribution / active EE | $608 | $1,764-65.5% | $3,947-84.6% | $2,281-73.3% |
| Participant deferral / active EE | $921 | $2,315-60.2% | $3,930-76.6% | $3,203-71.2% |
| Admin fee / account holder | $485 | $3,349-85.5% | $6,418-92.4% | $4,296-88.7% |