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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 | $15,851 | $67,602-76.6% | $82,312-80.7% | $70,126-77.4% |
| Participation rate | 49.5% | 72.8%-23.3pp | 76.9%-27.4pp | 69.5%-20.1pp |
| Annual return | 22.68% | 21.57%+1.1pp | 25.88%-3.2pp | 73.15%-50.5pp |
| Employer contribution / active EE | $407 | $1,755-76.8% | $2,428-83.2% | $2,343-82.6% |
| Participant deferral / active EE | $1,265 | $2,987-57.6% | $3,706-65.9% | $3,332-62.0% |
| Admin fee / account holder | $1,436 | $4,512-68.2% | $5,608-74.4% | $4,645-69.1% |