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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 | $13,716 | $71,215-80.7% | $93,696-85.4% | $80,935-83.1% |
| Participation rate | 11.5% | 60.4%-48.9pp | 68.7%-57.2pp | 67.7%-56.1pp |
| Annual return | 17.53% | 11.27%+6.3pp | 133.74%-116.2pp | 35.66%-18.1pp |
| Employer contribution / active EE | $412 | $1,565-73.7% | $2,422-83.0% | $2,757-85.0% |
| Participant deferral / active EE | $588 | $4,037-85.4% | $4,417-86.7% | $4,299-86.3% |
| Admin fee / account holder | $6,064 | $6,958-12.9% | $8,287-26.8% | $6,924-12.4% |