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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 | $7,689 | $58,493-86.9% | $84,021-90.8% | $72,975-89.5% |
| Participation rate | 43.1% | 61.2%-18.1pp | 69.0%-25.9pp | 69.5%-26.4pp |
| Annual return | 25.35% | 28.93%-3.6pp | 71.32%-46.0pp | 81.01%-55.7pp |
| Employer contribution / active EE | $848 | $1,163-27.1% | $1,984-57.3% | $2,440-65.3% |
| Participant deferral / active EE | $925 | $2,394-61.4% | $3,239-71.4% | $3,608-74.4% |
| Admin fee / account holder | $1,054 | $4,569-76.9% | $6,102-82.7% | $5,124-79.4% |