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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 | $13,810 | $71,215-80.6% | $93,696-85.3% | $80,935-82.9% |
| Participation rate | 36.2% | 60.4%-24.2pp | 68.7%-32.5pp | 67.7%-31.5pp |
| Annual return | 15.53% | 11.27%+4.3pp | 133.74%-118.2pp | 35.66%-20.1pp |
| Employer contribution / active EE | $787 | $1,565-49.7% | $2,422-67.5% | $2,757-71.5% |
| Participant deferral / active EE | $1,055 | $4,037-73.9% | $4,417-76.1% | $4,299-75.5% |
| Admin fee / account holder | $1,195 | $6,958-82.8% | $8,287-85.6% | $6,924-82.7% |