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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 | $18,325 | $80,332-77.2% | $107,187-82.9% | $64,097-71.4% |
| Participation rate | 22.1% | 54.4%-32.3pp | 75.0%-52.9pp | 55.2%-33.0pp |
| Annual return | 18.09% | 24.26%-6.2pp | 204.55%-186.5pp | 34.64%-16.6pp |
| Employer contribution / active EE | $658 | $2,501-73.7% | $3,782-82.6% | $1,891-65.2% |
| Participant deferral / active EE | $907 | $3,109-70.8% | $5,096-82.2% | $3,080-70.5% |
| Admin fee / account holder | $615 | $4,314-85.7% | $9,162-93.3% | $3,454-82.2% |