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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 | $14,773 | $87,180-83.1% | $173,703-91.5% | $94,015-84.3% |
| Participation rate | 32.5% | 65.6%-33.1pp | 75.9%-43.4pp | 70.8%-38.3pp |
| Annual return | 19.74% | 14.17%+5.6pp | 17.46%+2.3pp | 17.84%+1.9pp |
| Employer contribution / active EE | $571 | $2,494-77.1% | $4,288-86.7% | $2,790-79.5% |
| Participant deferral / active EE | $680 | $3,343-79.7% | $4,854-86.0% | $4,249-84.0% |
| Admin fee / account holder | $368 | $7,506-95.1% | $15,562-97.6% | $8,951-95.9% |