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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 | $10,358 | $56,894-81.8% | $84,753-87.8% | $62,881-83.5% |
| Participation rate | 55.4% | 68.5%-13.2pp | 76.6%-21.2pp | 69.3%-13.9pp |
| Annual return | 6.71% | 6.30%+0.4pp | 22.78%-16.1pp | 20.14%-13.4pp |
| Employer contribution / active EE | $820 | $2,400-65.8% | $3,574-77.0% | $2,281-64.0% |
| Participant deferral / active EE | $855 | $2,709-68.4% | $3,712-77.0% | $3,203-73.3% |
| Admin fee / account holder | $369 | $3,581-89.7% | $5,333-93.1% | $4,296-91.4% |