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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 | $15,977 | $63,456-74.8% | $100,712-84.1% | $64,097-75.1% |
| Participation rate | 19.2% | 49.7%-30.5pp | 69.3%-50.1pp | 55.2%-36.0pp |
| Annual return | 15.84% | 19.65%-3.8pp | 33.27%-17.4pp | 34.64%-18.8pp |
| Employer contribution / active EE | $373 | $1,003-62.8% | $2,313-83.9% | $1,891-80.3% |
| Participant deferral / active EE | $618 | $2,463-74.9% | $4,085-84.9% | $3,080-79.9% |
| Admin fee / account holder | $4,682 | $4,808-2.6% | $9,256-49.4% | $3,454+35.5% |