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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 | $15,385 | $98,760-84.4% | $149,715-89.7% | $79,858-80.7% |
| Participation rate | 59.7% | 75.8%-16.0pp | 82.5%-22.7pp | 69.6%-9.9pp |
| Annual return | 26.36% | 27.43%-1.1pp | 276.66%-250.3pp | 31.72%-5.4pp |
| Employer contribution / active EE | $924 | $3,217-71.3% | $4,645-80.1% | $2,471-62.6% |
| Participant deferral / active EE | $2,064 | $5,681-63.7% | $6,842-69.8% | $3,740-44.8% |
| Admin fee / account holder | $541 | $6,053-91.1% | $9,310-94.2% | $5,306-89.8% |