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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 | $15,200 | $86,940-82.5% | $102,434-85.2% | $80,935-81.2% |
| Participation rate | 56.7% | 72.4%-15.7pp | 76.5%-19.8pp | 67.7%-11.0pp |
| Annual return | 29.64% | 18.89%+10.8pp | 29.46%+0.2pp | 35.66%-6.0pp |
| Employer contribution / active EE | $738 | $2,370-68.9% | $3,023-75.6% | $2,757-73.2% |
| Participant deferral / active EE | $1,834 | $4,121-55.5% | $5,055-63.7% | $4,299-57.3% |
| Admin fee / account holder | $623 | $8,047-92.3% | $9,462-93.4% | $6,924-91.0% |