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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 | $15,463 | $56,438-72.6% | $76,872-79.9% | $71,511-78.4% |
| Participation rate | 38.5% | 64.3%-25.8pp | 69.6%-31.1pp | 67.9%-29.4pp |
| Annual return | 20.20% | 19.05%+1.1pp | 37.90%-17.7pp | 28.86%-8.7pp |
| Employer contribution / active EE | $580 | $1,864-68.9% | $2,533-77.1% | $2,589-77.6% |
| Participant deferral / active EE | $1,017 | $3,136-67.6% | $3,832-73.5% | $4,291-76.3% |
| Admin fee / account holder | $354 | $1,430-75.3% | $5,476-93.5% | $1,588-77.7% |