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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 | $7,566 | $43,496-82.6% | $161,489-95.3% | $64,340-88.2% |
| Participation rate | 54.5% | 53.5%+1.0pp | 78.7%-24.2pp | 55.2%-0.8pp |
| Annual return | 24.29% | 20.76%+3.5pp | 89.72%-65.4pp | 24.14%+0.1pp |
| Employer contribution / active EE | $1,807 | $1,431+26.3% | $4,268-57.7% | $1,862-2.9% |
| Participant deferral / active EE | $584 | $1,996-70.7% | $5,630-89.6% | $2,980-80.4% |
| Admin fee / account holder | $1,246 | $2,330-46.5% | $16,006-92.2% | $3,703-66.3% |