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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 | $10,524 | $80,992-87.0% | $96,534-89.1% | $75,173-86.0% |
| Participation rate | 58.1% | 71.8%-13.6pp | 76.0%-17.8pp | 67.2%-9.1pp |
| Annual return | 34.74% | 27.05%+7.7pp | 25.88%+8.9pp | 160.72%-126.0pp |
| Employer contribution / active EE | $763 | $2,283-66.6% | $2,965-74.3% | $2,671-71.4% |
| Participant deferral / active EE | $1,416 | $3,929-64.0% | $4,851-70.8% | $4,126-65.7% |
| Admin fee / account holder | $516 | $6,717-92.3% | $8,253-93.7% | $5,651-90.9% |