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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 | $11,159 | $56,894-80.4% | $84,753-86.8% | $62,881-82.3% |
| Participation rate | 21.9% | 68.5%-46.7pp | 76.6%-54.7pp | 69.3%-47.4pp |
| Annual return | 10.50% | 6.30%+4.2pp | 22.78%-12.3pp | 20.14%-9.6pp |
| Employer contribution / active EE | $717 | $2,400-70.1% | $3,574-79.9% | $2,281-68.5% |
| Participant deferral / active EE | $1,050 | $2,709-61.2% | $3,712-71.7% | $3,203-67.2% |
| Admin fee / account holder | $2,484 | $3,581-30.6% | $5,333-53.4% | $4,296-42.2% |