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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 | $15,060 | $99,875-84.9% | $146,866-89.7% | $86,983-82.7% |
| Participation rate | 47.9% | 75.8%-27.9pp | 82.5%-34.6pp | 69.5%-21.6pp |
| Annual return | 20.54% | 28.10%-7.6pp | 102.85%-82.3pp | 25.83%-5.3pp |
| Employer contribution / active EE | $1,293 | $3,224-59.9% | $4,425-70.8% | $2,584-50.0% |
| Participant deferral / active EE | $2,074 | $6,322-67.2% | $7,759-73.3% | $4,194-50.6% |
| Admin fee / account holder | $2,500 | $7,838-68.1% | $13,620-81.6% | $7,856-68.2% |