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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 | $7,444 | $96,233-92.3% | $137,474-94.6% | $94,015-92.1% |
| Participation rate | 60.7% | 78.3%-17.6pp | 83.5%-22.8pp | 70.8%-10.1pp |
| Annual return | 21.01% | 16.05%+5.0pp | 11.53%+9.5pp | 17.84%+3.2pp |
| Employer contribution / active EE | $1,149 | $3,713-69.0% | $5,048-77.2% | $2,790-58.8% |
| Participant deferral / active EE | $1,409 | $5,018-71.9% | $6,155-77.1% | $4,249-66.8% |
| Admin fee / account holder | $681 | $7,029-90.3% | $10,602-93.6% | $8,951-92.4% |