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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 | $15,058 | $65,390-77.0% | $169,385-91.1% | $71,495-78.9% |
| Participation rate | 21.6% | 67.0%-45.3pp | 77.2%-55.5pp | 67.9%-46.3pp |
| Annual return | 27.95% | 21.31%+6.6pp | 405.82%-377.9pp | 28.85%-0.9pp |
| Employer contribution / active EE | $503 | $2,079-75.8% | $4,012-87.5% | $2,589-80.6% |
| Participant deferral / active EE | $775 | $4,367-82.2% | $6,221-87.5% | $4,291-81.9% |
| Admin fee / account holder | $1,230 | $1,324-7.1% | $9,011-86.3% | $1,588-22.5% |