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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 | $14,677 | $54,541-73.1% | $78,778-81.4% | $70,126-79.1% |
| Participation rate | 22.2% | 60.8%-38.6pp | 69.2%-47.0pp | 69.5%-47.3pp |
| Annual return | 18.98% | 21.07%-2.1pp | 35.62%-16.6pp | 73.15%-54.2pp |
| Employer contribution / active EE | $731 | $1,089-32.8% | $1,986-63.2% | $2,343-68.8% |
| Participant deferral / active EE | $927 | $2,210-58.1% | $2,958-68.7% | $3,332-72.2% |
| Admin fee / account holder | $790 | $3,709-78.7% | $5,134-84.6% | $4,645-83.0% |