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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 | $63,456-61.1% | $100,712-75.5% | $64,097-61.5% |
| Participation rate | 13.9% | 49.7%-35.8pp | 69.3%-55.4pp | 55.2%-41.3pp |
| Annual return | 20.59% | 19.65%+0.9pp | 33.27%-12.7pp | 34.64%-14.1pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $727 | $2,463-70.5% | $4,085-82.2% | $3,080-76.4% |
| Admin fee / account holder | $1,494 | $4,808-68.9% | $9,256-83.9% | $3,454-56.8% |