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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 | $6,385 | $49,791-87.2% | $78,210-91.8% | $70,126-90.9% |
| Participation rate | 30.8% | 62.3%-31.5pp | 68.7%-38.0pp | 69.5%-38.8pp |
| Annual return | 26.51% | 20.75%+5.8pp | 40.90%-14.4pp | 73.15%-46.6pp |
| Employer contribution / active EE | $515 | $1,430-64.0% | $2,034-74.7% | $2,343-78.0% |
| Participant deferral / active EE | $678 | $2,150-68.5% | $2,823-76.0% | $3,332-79.6% |
| Admin fee / account holder | $302 | $3,181-90.5% | $3,758-92.0% | $4,645-93.5% |