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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 | $11,780 | $54,541-78.4% | $78,778-85.0% | $70,126-83.2% |
| Participation rate | 41.9% | 60.8%-18.9pp | 69.2%-27.3pp | 69.5%-27.7pp |
| Annual return | 21.08% | 21.07%0pp | 35.62%-14.5pp | 73.15%-52.1pp |
| Employer contribution / active EE | $381 | $1,089-65.0% | $1,986-80.8% | $2,343-83.7% |
| Participant deferral / active EE | $808 | $2,210-63.5% | $2,958-72.7% | $3,332-75.8% |
| Admin fee / account holder | $826 | $3,709-77.7% | $5,134-83.9% | $4,645-82.2% |