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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 | $11,520 | $87,465-86.8% | $122,979-90.6% | $65,306-82.4% |
| Participation rate | 35.1% | 66.0%-30.9pp | 77.2%-42.1pp | 57.7%-22.6pp |
| Annual return | 20.97% | 19.76%+1.2pp | 20.12%+0.9pp | 21.94%-1.0pp |
| Employer contribution / active EE | $782 | $2,156-63.7% | $3,062-74.5% | $1,967-60.3% |
| Participant deferral / active EE | $1,156 | $3,705-68.8% | $5,003-76.9% | $2,959-60.9% |
| Admin fee / account holder | $2,038 | $5,100-60.0% | $12,864-84.2% | $3,480-41.4% |