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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 | $11,291 | $58,851-80.8% | $115,170-90.2% | $72,975-84.5% |
| Participation rate | 41.3% | 65.5%-24.2pp | 75.9%-34.6pp | 69.5%-28.2pp |
| Annual return | 20.42% | 23.16%-2.7pp | 35.60%-15.2pp | 81.01%-60.6pp |
| Employer contribution / active EE | $661 | $1,798-63.2% | $3,179-79.2% | $2,440-72.9% |
| Participant deferral / active EE | $945 | $2,643-64.2% | $4,169-77.3% | $3,608-73.8% |
| Admin fee / account holder | $1,458 | $6,370-77.1% | $7,089-79.4% | $5,124-71.6% |