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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 | $13,722 | $76,371-82.0% | $93,621-85.3% | $72,976-81.2% |
| Participation rate | 59.2% | 71.8%-12.6pp | 75.8%-16.7pp | 69.5%-10.3pp |
| Annual return | 20.49% | 25.82%-5.3pp | 32.76%-12.3pp | 81.02%-60.5pp |
| Employer contribution / active EE | $480 | $2,276-78.9% | $2,719-82.3% | $2,440-80.3% |
| Participant deferral / active EE | $1,180 | $3,538-66.6% | $4,070-71.0% | $3,608-67.3% |
| Admin fee / account holder | $681 | $6,839-90.0% | $7,890-91.4% | $5,124-86.7% |