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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 | $22,825 | $65,122-65.0% | $135,792-83.2% | $64,097-64.4% |
| Participation rate | 25.3% | 47.1%-21.8pp | 72.6%-47.3pp | 55.2%-29.9pp |
| Annual return | 12.53% | 14.53%-2.0pp | 25.96%-13.4pp | 34.64%-22.1pp |
| Employer contribution / active EE | $494 | $1,280-61.4% | $3,496-85.9% | $1,891-73.9% |
| Participant deferral / active EE | $729 | $2,219-67.1% | $4,759-84.7% | $3,080-76.3% |
| Admin fee / account holder | $1,409 | $3,120-54.8% | $12,266-88.5% | $3,454-59.2% |