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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 | $14,021 | $51,620-72.8% | $90,304-84.5% | $65,185-78.5% |
| Participation rate | 41.2% | 68.6%-27.5pp | 73.3%-32.1pp | 70.2%-29.0pp |
| Annual return | 17.78% | 24.94%-7.2pp | 78.13%-60.3pp | 29.38%-11.6pp |
| Employer contribution / active EE | $704 | $2,235-68.5% | $2,855-75.3% | $2,177-67.7% |
| Participant deferral / active EE | $688 | $2,871-76.0% | $3,885-82.3% | $3,514-80.4% |
| Admin fee / account holder | $543 | $384+41.3% | $5,354-89.9% | $847-35.9% |