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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 | $11,462 | $110,137-89.6% | $161,149-92.9% | $82,637-86.1% |
| Participation rate | 65.0% | 72.4%-7.4pp | 78.8%-13.8pp | 68.1%-3.1pp |
| Annual return | 26.09% | 20.69%+5.4pp | 21.16%+4.9pp | 53.51%-27.4pp |
| Employer contribution / active EE | $847 | $2,856-70.4% | $4,360-80.6% | $2,552-66.8% |
| Participant deferral / active EE | $1,772 | $4,575-61.3% | $6,153-71.2% | $4,126-57.1% |
| Admin fee / account holder | $567 | $9,467-94.0% | $15,194-96.3% | $7,339-92.3% |