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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 | $12,109 | $56,054-78.4% | $171,082-92.9% | $62,881-80.7% |
| Participation rate | 57.3% | 62.9%-5.6pp | 76.7%-19.4pp | 69.3%-12.0pp |
| Annual return | 5.50% | 22.52%-17.0pp | 32.56%-27.1pp | 20.14%-14.6pp |
| Employer contribution / active EE | $424 | $1,731-75.5% | $4,002-89.4% | $2,281-81.4% |
| Participant deferral / active EE | $867 | $3,158-72.5% | $4,797-81.9% | $3,203-72.9% |
| Admin fee / account holder | $896 | $3,647-75.4% | $8,520-89.5% | $4,296-79.1% |