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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 | $16,821 | $109,782-84.7% | $260,467-93.5% | $94,015-82.1% |
| Participation rate | 69.0% | 67.2%+1.8pp | 80.5%-11.5pp | 70.8%-1.9pp |
| Annual return | 16.08% | 18.60%-2.5pp | 100.60%-84.5pp | 17.84%-1.8pp |
| Employer contribution / active EE | $669 | $2,147-68.8% | $4,239-84.2% | $2,790-76.0% |
| Participant deferral / active EE | $903 | $4,044-77.7% | $6,319-85.7% | $4,249-78.8% |
| Admin fee / account holder | $835 | $11,958-93.0% | $15,461-94.6% | $8,951-90.7% |