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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 | $64,010-73.3% | $108,359-84.2% | $64,340-73.4% |
| Participation rate | 22.3% | 49.4%-27.1pp | 70.1%-47.8pp | 55.2%-33.0pp |
| Annual return | 15.76% | 19.74%-4.0pp | 36.89%-21.1pp | 24.14%-8.4pp |
| Employer contribution / active EE | $259 | $1,029-74.8% | $2,399-89.2% | $1,862-86.1% |
| Participant deferral / active EE | $368 | $2,395-84.6% | $4,137-91.1% | $2,980-87.7% |
| Admin fee / account holder | $799 | $4,885-83.7% | $9,741-91.8% | $3,703-78.4% |