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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 | $11,201 | $77,817-85.6% | $123,553-90.9% | $64,173-82.5% |
| Participation rate | 45.1% | 74.7%-29.6pp | 82.3%-37.2pp | 69.6%-24.5pp |
| Annual return | 13.10% | 12.49%+0.6pp | 119.21%-106.1pp | 7.63%+5.5pp |
| Employer contribution / active EE | $755 | $3,014-75.0% | $4,628-83.7% | $2,381-68.3% |
| Participant deferral / active EE | $1,835 | $5,240-65.0% | $6,426-71.4% | $3,470-47.1% |
| Admin fee / account holder | $1,450 | $5,519-73.7% | $9,284-84.4% | $4,887-70.3% |