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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 | $14,455 | $71,534-79.8% | $98,462-85.3% | $71,529-79.8% |
| Participation rate | 30.7% | 72.7%-42.0pp | 75.2%-44.5pp | 67.9%-37.2pp |
| Annual return | 28.58% | 32.44%-3.9pp | 21.17%+7.4pp | 28.97%-0.4pp |
| Employer contribution / active EE | $1,065 | $2,399-55.6% | $3,049-65.1% | $2,590-58.9% |
| Participant deferral / active EE | $1,554 | $4,109-62.2% | $4,738-67.2% | $4,291-63.8% |
| Admin fee / account holder | $1,758 | $1,677+4.9% | $8,875-80.2% | $1,588+10.7% |