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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 | $9,429 | $69,137-86.4% | $182,153-94.8% | $94,015-90.0% |
| Participation rate | 30.0% | 59.6%-29.6pp | 65.7%-35.7pp | 70.8%-40.8pp |
| Annual return | 21.97% | 21.34%+0.6pp | 35.04%-13.1pp | 17.84%+4.1pp |
| Employer contribution / active EE | $594 | $2,152-72.4% | $2,593-77.1% | $2,790-78.7% |
| Participant deferral / active EE | $901 | $2,665-66.2% | $3,776-76.1% | $4,249-78.8% |
| Admin fee / account holder | $1,039 | $11,615-91.1% | $9,477-89.0% | $8,951-88.4% |