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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 | $9,700 | $57,828-83.2% | $117,039-91.7% | $70,126-86.2% |
| Participation rate | 48.3% | 67.1%-18.8pp | 77.2%-28.9pp | 69.5%-21.3pp |
| Annual return | 21.43% | 17.55%+3.9pp | 18.95%+2.5pp | 73.15%-51.7pp |
| Employer contribution / active EE | $790 | $1,816-56.5% | $3,785-79.1% | $2,343-66.3% |
| Participant deferral / active EE | $864 | $2,438-64.6% | $3,929-78.0% | $3,332-74.1% |
| Admin fee / account holder | $318 | $3,548-91.0% | $5,974-94.7% | $4,645-93.2% |