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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 | $11,547 | $78,520-85.3% | $96,576-88.0% | $82,448-86.0% |
| Participation rate | 57.1% | 77.7%-20.6pp | 81.4%-24.3pp | 68.1%-10.9pp |
| Annual return | 21.95% | 41.30%-19.3pp | 38.47%-16.5pp | 41.64%-19.7pp |
| Employer contribution / active EE | $677 | $2,630-74.3% | $3,553-81.0% | $2,551-73.5% |
| Participant deferral / active EE | $980 | $6,754-85.5% | $7,956-87.7% | $4,139-76.3% |
| Admin fee / account holder | $302 | $13,455-97.8% | $11,381-97.3% | $7,234-95.8% |