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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 | $8,901 | $70,486-87.4% | $100,535-91.1% | $79,856-88.9% |
| Participation rate | 59.6% | 73.6%-14.0pp | 79.4%-19.8pp | 69.6%-10.0pp |
| Annual return | 23.57% | 21.90%+1.7pp | 30.90%-7.3pp | 31.71%-8.1pp |
| Employer contribution / active EE | $545 | $2,165-74.8% | $3,419-84.1% | $2,471-78.0% |
| Participant deferral / active EE | $1,253 | $5,182-75.8% | $6,271-80.0% | $3,741-66.5% |
| Admin fee / account holder | $889 | $4,480-80.2% | $8,085-89.0% | $5,306-83.2% |