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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 | $2,004 | $36,948-94.6% | $73,658-97.3% | $87,485-97.7% |
| Participation rate | 10.0% | 46.8%-36.8pp | 57.0%-47.0pp | 68.9%-58.9pp |
| Annual return | 31.62% | 28.64%+3.0pp | 29.72%+1.9pp | 26.06%+5.6pp |
| Employer contribution / active EE | $79 | $670-88.2% | $1,032-92.3% | $2,596-96.9% |
| Participant deferral / active EE | $165 | $1,379-88.0% | $2,062-92.0% | $4,274-96.1% |
| Admin fee / account holder | $854 | $2,531-66.3% | $3,357-74.6% | $7,775-89.0% |