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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 | $17,597 | $71,197-75.3% | $93,669-81.2% | $80,925-78.3% |
| Participation rate | 63.5% | 60.4%+3.1pp | 68.7%-5.2pp | 67.7%-4.2pp |
| Annual return | 16.05% | 11.27%+4.8pp | 133.59%-117.5pp | 35.65%-19.6pp |
| Employer contribution / active EE | $2,269 | $1,565+45.0% | $2,424-6.4% | $2,756-17.7% |
| Participant deferral / active EE | $388 | $4,036-90.4% | $4,416-91.2% | $4,299-91.0% |
| Admin fee / account holder | $1,988 | $6,959-71.4% | $8,291-76.0% | $6,940-71.4% |