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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 | $16,298 | $64,010-74.5% | $108,359-85.0% | $64,340-74.7% |
| Participation rate | 13.9% | 49.4%-35.5pp | 70.1%-56.2pp | 55.2%-41.3pp |
| Annual return | 20.63% | 19.74%+0.9pp | 36.89%-16.3pp | 24.14%-3.5pp |
| Employer contribution / active EE | $215 | $1,029-79.1% | $2,399-91.0% | $1,862-88.4% |
| Participant deferral / active EE | $443 | $2,395-81.5% | $4,137-89.3% | $2,980-85.1% |
| Admin fee / account holder | $824 | $4,885-83.1% | $9,741-91.5% | $3,703-77.7% |