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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 | $16,146 | $108,825-85.2% | $156,181-89.7% | $82,448-80.4% |
| Participation rate | 58.7% | 72.4%-13.7pp | 78.8%-20.2pp | 68.1%-9.4pp |
| Annual return | 24.35% | 20.59%+3.8pp | 64.87%-40.5pp | 41.64%-17.3pp |
| Employer contribution / active EE | $946 | $2,870-67.0% | $4,294-78.0% | $2,551-62.9% |
| Participant deferral / active EE | $1,653 | $4,577-63.9% | $6,132-73.0% | $4,139-60.1% |
| Admin fee / account holder | $1,535 | $9,341-83.6% | $14,586-89.5% | $7,234-78.8% |