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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 | $17,116 | $67,638-74.7% | $133,346-87.2% | $69,733-75.5% |
| Participation rate | 22.3% | 54.3%-32.0pp | 72.8%-50.6pp | 62.5%-40.2pp |
| Annual return | 15.76% | 13.38%+2.4pp | 36.85%-21.1pp | 15.22%+0.5pp |
| Employer contribution / active EE | $259 | $1,177-78.0% | $2,853-90.9% | $2,250-88.5% |
| Participant deferral / active EE | $368 | $2,567-85.7% | $4,332-91.5% | $3,054-88.0% |
| Admin fee / account holder | $799 | $4,814-83.4% | $14,264-94.4% | $3,102-74.3% |