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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 | $14,772 | $140,800-89.5% | $89,340-83.5% | $79,634-81.5% |
| Participation rate | 19.0% | 61.9%-43.0pp | 69.6%-50.6pp | 62.5%-43.5pp |
| Annual return | 18.56% | 17.84%+0.7pp | 20.57%-2.0pp | 36.46%-17.9pp |
| Employer contribution / active EE | $421 | $2,021-79.2% | $2,231-81.1% | $2,529-83.4% |
| Participant deferral / active EE | $769 | $3,219-76.1% | $3,823-79.9% | $3,835-79.9% |
| Admin fee / account holder | $3,171 | $1,610+96.9% | $6,704-52.7% | $1,002+216.5% |