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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 | $15,526 | $76,551-79.7% | $123,894-87.5% | $62,881-75.3% |
| Participation rate | 34.9% | 73.0%-38.1pp | 81.4%-46.5pp | 69.3%-34.4pp |
| Annual return | 41.17% | 18.68%+22.5pp | 47.52%-6.4pp | 20.14%+21.0pp |
| Employer contribution / active EE | $785 | $2,882-72.8% | $4,617-83.0% | $2,281-65.6% |
| Participant deferral / active EE | $1,181 | $4,840-75.6% | $5,984-80.3% | $3,203-63.1% |
| Admin fee / account holder | $423 | $4,826-91.2% | $8,357-94.9% | $4,296-90.2% |