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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 | $12,567 | $72,273-82.6% | $101,275-87.6% | $79,856-84.3% |
| Participation rate | 62.1% | 68.5%-6.4pp | 75.8%-13.7pp | 69.6%-7.6pp |
| Annual return | 26.72% | 22.30%+4.4pp | 46.48%-19.8pp | 31.71%-5.0pp |
| Employer contribution / active EE | $3,378 | $2,691+25.5% | $3,660-7.7% | $2,471+36.7% |
| Participant deferral / active EE | $353 | $3,282-89.2% | $4,371-91.9% | $3,741-90.6% |
| Admin fee / account holder | $2,735 | $4,401-37.9% | $5,948-54.0% | $5,306-48.5% |