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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 | $12,858 | $67,602-81.0% | $82,312-84.4% | $70,126-81.7% |
| Participation rate | 36.0% | 72.8%-36.8pp | 76.9%-40.9pp | 69.5%-33.5pp |
| Annual return | 13.33% | 21.57%-8.2pp | 25.88%-12.6pp | 73.15%-59.8pp |
| Employer contribution / active EE | $473 | $1,755-73.0% | $2,428-80.5% | $2,343-79.8% |
| Participant deferral / active EE | $756 | $2,987-74.7% | $3,706-79.6% | $3,332-77.3% |
| Admin fee / account holder | $1,200 | $4,512-73.4% | $5,608-78.6% | $4,645-74.2% |