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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 | $15,634 | $57,752-72.9% | $112,273-86.1% | $71,511-78.1% |
| Participation rate | 16.0% | 58.8%-42.8pp | 72.4%-56.4pp | 67.9%-51.9pp |
| Annual return | 20.56% | 18.25%+2.3pp | 30.23%-9.7pp | 28.86%-8.3pp |
| Employer contribution / active EE | $504 | $1,912-73.7% | $3,431-85.3% | $2,589-80.5% |
| Participant deferral / active EE | $600 | $2,860-79.0% | $4,800-87.5% | $4,291-86.0% |
| Admin fee / account holder | $2,686 | $1,586+69.3% | $7,752-65.4% | $1,588+69.1% |