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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 | $12,232 | $72,027-83.0% | $185,861-93.4% | $79,856-84.7% |
| Participation rate | 30.8% | 65.8%-35.0pp | 78.0%-47.3pp | 69.6%-38.9pp |
| Annual return | 23.96% | 23.13%+0.8pp | 35.96%-12.0pp | 31.71%-7.7pp |
| Employer contribution / active EE | $453 | $1,965-77.0% | $4,088-88.9% | $2,471-81.7% |
| Participant deferral / active EE | $955 | $3,780-74.7% | $5,634-83.0% | $3,741-74.5% |
| Admin fee / account holder | $501 | $4,513-88.9% | $9,503-94.7% | $5,306-90.6% |