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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 | $13,644 | $73,787-81.5% | $98,716-86.2% | $82,448-83.5% |
| Participation rate | 49.3% | 61.4%-12.1pp | 69.3%-20.0pp | 68.1%-18.8pp |
| Annual return | 23.33% | 18.57%+4.8pp | 31.81%-8.5pp | 41.64%-18.3pp |
| Employer contribution / active EE | $754 | $1,511-50.1% | $2,279-66.9% | $2,551-70.4% |
| Participant deferral / active EE | $1,023 | $3,081-66.8% | $4,048-74.7% | $4,139-75.3% |
| Admin fee / account holder | $1,509 | $6,500-76.8% | $8,703-82.7% | $7,234-79.1% |