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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 | $13,847 | $86,341-84.0% | $125,192-88.9% | $65,185-78.8% |
| Participation rate | 55.8% | 75.3%-19.6pp | 79.8%-24.0pp | 70.2%-14.4pp |
| Annual return | 31.85% | 27.44%+4.4pp | 43.79%-11.9pp | 29.38%+2.5pp |
| Employer contribution / active EE | $953 | $2,040-53.3% | $3,866-75.4% | $2,177-56.2% |
| Participant deferral / active EE | $1,702 | $3,538-51.9% | $4,937-65.5% | $3,514-51.6% |
| Admin fee / account holder | $581 | $609-4.7% | $9,704-94.0% | $847-31.5% |