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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 | $9,065 | $83,898-89.2% | $133,346-93.2% | $94,015-90.4% |
| Participation rate | 39.0% | 63.4%-24.4pp | 72.8%-33.9pp | 70.8%-31.8pp |
| Annual return | 20.47% | 16.00%+4.5pp | 36.85%-16.4pp | 17.84%+2.6pp |
| Employer contribution / active EE | $525 | $1,821-71.2% | $2,853-81.6% | $2,790-81.2% |
| Participant deferral / active EE | $774 | $3,245-76.2% | $4,332-82.1% | $4,249-81.8% |
| Admin fee / account holder | $578 | $7,809-92.6% | $14,264-95.9% | $8,951-93.5% |