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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 | $105,284-88.5% | $150,734-92.0% | $94,015-87.1% |
| Participation rate | 60.7% | 71.7%-11.0pp | 78.4%-17.7pp | 70.8%-10.1pp |
| Annual return | 19.84% | 15.67%+4.2pp | 600.81%-581.0pp | 17.84%+2.0pp |
| Employer contribution / active EE | $2,077 | $3,599-42.3% | $4,918-57.8% | $2,790-25.5% |
| Participant deferral / active EE | $930 | $4,274-78.2% | $5,610-83.4% | $4,249-78.1% |
| Admin fee / account holder | $936 | $9,839-90.5% | $14,905-93.7% | $8,951-89.5% |