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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 | $10,467 | $80,992-87.1% | $96,534-89.2% | $75,173-86.1% |
| Participation rate | 52.7% | 71.8%-19.1pp | 76.0%-23.3pp | 67.2%-14.5pp |
| Annual return | 20.95% | 27.05%-6.1pp | 25.88%-4.9pp | 160.72%-139.8pp |
| Employer contribution / active EE | $908 | $2,283-60.2% | $2,965-69.4% | $2,671-66.0% |
| Participant deferral / active EE | $1,595 | $3,929-59.4% | $4,851-67.1% | $4,126-61.3% |
| Admin fee / account holder | $610 | $6,717-90.9% | $8,253-92.6% | $5,651-89.2% |