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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 | $17,509 | $50,958-65.6% | $74,552-76.5% | $64,181-72.7% |
| Participation rate | 47.2% | 61.1%-13.9pp | 69.1%-22.0pp | 69.6%-22.4pp |
| Annual return | 9.05% | -1.86%+10.9pp | 32.53%-23.5pp | 7.63%+1.4pp |
| Employer contribution / active EE | $779 | $1,115-30.2% | $1,961-60.3% | $2,381-67.3% |
| Participant deferral / active EE | $860 | $2,301-62.6% | $3,108-72.3% | $3,470-75.2% |
| Admin fee / account holder | $1,051 | $4,223-75.1% | $5,060-79.2% | $4,887-78.5% |