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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 | $15,054 | $49,138-69.4% | $84,023-82.1% | $65,186-76.9% |
| Participation rate | 27.9% | 60.7%-32.8pp | 69.0%-41.1pp | 70.2%-42.3pp |
| Annual return | 20.04% | 23.00%-3.0pp | 71.32%-51.3pp | 29.39%-9.3pp |
| Employer contribution / active EE | $362 | $914-60.4% | $1,984-81.7% | $2,177-83.4% |
| Participant deferral / active EE | $608 | $2,397-74.7% | $3,239-81.2% | $3,514-82.7% |
| Admin fee / account holder | $1,563 | $543+187.6% | $6,102-74.4% | $847+84.5% |