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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 | $11,689 | $67,411-82.7% | $91,004-87.2% | $70,126-83.3% |
| Participation rate | 28.4% | 71.4%-43.0pp | 75.6%-47.2pp | 69.5%-41.1pp |
| Annual return | 26.78% | -40.16%+66.9pp | 4.60%+22.2pp | 73.15%-46.4pp |
| Employer contribution / active EE | $597 | $1,786-66.6% | $2,456-75.7% | $2,343-74.5% |
| Participant deferral / active EE | $1,179 | $2,823-58.2% | $3,548-66.8% | $3,332-64.6% |
| Admin fee / account holder | $871 | $4,236-79.4% | $5,417-83.9% | $4,645-81.2% |