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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 | $13,309 | $54,541-75.6% | $78,778-83.1% | $70,124-81.0% |
| Participation rate | 16.7% | 60.8%-44.1pp | 69.2%-52.5pp | 69.5%-52.9pp |
| Annual return | 21.27% | 21.07%+0.2pp | 35.62%-14.4pp | 73.14%-51.9pp |
| Employer contribution / active EE | $317 | $1,089-70.9% | $1,986-84.0% | $2,342-86.5% |
| Participant deferral / active EE | $980 | $2,210-55.6% | $2,958-66.9% | $3,332-70.6% |
| Admin fee / account holder | $1,414 | $3,709-61.9% | $5,134-72.5% | $4,645-69.6% |