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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 | $24,664 | $64,010-61.5% | $108,359-77.2% | $64,340-61.7% |
| Participation rate | 13.9% | 49.4%-35.5pp | 70.1%-56.2pp | 55.2%-41.4pp |
| Annual return | 20.59% | 19.74%+0.9pp | 36.89%-16.3pp | 24.14%-3.6pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $727 | $2,395-69.6% | $4,137-82.4% | $2,980-75.6% |
| Admin fee / account holder | $1,494 | $4,885-69.4% | $9,741-84.7% | $3,703-59.6% |