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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 | $12,109 | $93,345-87.0% | $119,126-89.8% | $87,485-86.2% |
| Participation rate | 60.7% | 68.7%-8.0pp | 75.8%-15.0pp | 68.9%-8.2pp |
| Annual return | 19.84% | 19.08%+0.8pp | 282.11%-262.3pp | 26.06%-6.2pp |
| Employer contribution / active EE | $2,077 | $3,172-34.5% | $4,034-48.5% | $2,596-20.0% |
| Participant deferral / active EE | $930 | $4,099-77.3% | $5,318-82.5% | $4,274-78.2% |
| Admin fee / account holder | $936 | $8,039-88.4% | $10,693-91.2% | $7,775-88.0% |