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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 | $12,650 | $76,551-83.5% | $123,894-89.8% | $62,881-79.9% |
| Participation rate | 13.7% | 73.0%-59.3pp | 81.4%-67.7pp | 69.3%-55.6pp |
| Annual return | 10.64% | 18.68%-8.0pp | 47.52%-36.9pp | 20.14%-9.5pp |
| Employer contribution / active EE | $488 | $2,882-83.1% | $4,617-89.4% | $2,281-78.6% |
| Participant deferral / active EE | $673 | $4,840-86.1% | $5,984-88.7% | $3,203-79.0% |
| Admin fee / account holder | $5,742 | $4,826+19.0% | $8,357-31.3% | $4,296+33.7% |