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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 | $10,518 | $75,058-86.0% | $152,301-93.1% | $64,340-83.7% |
| Participation rate | 34.8% | 60.9%-26.1pp | 82.4%-47.7pp | 55.2%-20.5pp |
| Annual return | 30.65% | 29.93%+0.7pp | 80.50%-49.8pp | 24.14%+6.5pp |
| Employer contribution / active EE | $450 | $2,605-82.7% | $4,624-90.3% | $1,862-75.8% |
| Participant deferral / active EE | $989 | $5,041-80.4% | $8,004-87.6% | $2,980-66.8% |
| Admin fee / account holder | $1,589 | $4,050-60.8% | $14,398-89.0% | $3,703-57.1% |