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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 | $16,514 | $65,034-74.6% | $90,970-81.8% | $79,856-79.3% |
| Participation rate | 44.8% | 61.6%-16.8pp | 69.0%-24.2pp | 69.6%-24.8pp |
| Annual return | 19.73% | 30.45%-10.7pp | 134.60%-114.9pp | 31.71%-12.0pp |
| Employer contribution / active EE | $590 | $1,247-52.7% | $2,122-72.2% | $2,471-76.1% |
| Participant deferral / active EE | $847 | $2,512-66.3% | $3,373-74.9% | $3,741-77.4% |
| Admin fee / account holder | $4,253 | $4,536-6.2% | $5,961-28.7% | $5,306-19.9% |