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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 | $17,595 | $71,208-75.3% | $93,681-81.2% | $80,911-78.3% |
| Participation rate | 24.7% | 60.4%-35.7pp | 68.7%-44.0pp | 67.6%-42.9pp |
| Annual return | 15.71% | 11.27%+4.4pp | 133.47%-117.8pp | 35.63%-19.9pp |
| Employer contribution / active EE | $636 | $1,564-59.3% | $2,422-73.7% | $2,756-76.9% |
| Participant deferral / active EE | $660 | $4,035-83.6% | $4,415-85.0% | $4,297-84.6% |
| Admin fee / account holder | $637 | $6,951-90.8% | $8,290-92.3% | $6,935-90.8% |