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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 | $13,791 | $54,541-74.7% | $78,778-82.5% | $70,126-80.3% |
| Participation rate | 54.9% | 60.8%-5.9pp | 69.2%-14.3pp | 69.5%-14.6pp |
| Annual return | 17.13% | 21.07%-3.9pp | 35.62%-18.5pp | 73.15%-56.0pp |
| Employer contribution / active EE | $422 | $1,089-61.2% | $1,986-78.7% | $2,343-82.0% |
| Participant deferral / active EE | $834 | $2,210-62.3% | $2,958-71.8% | $3,332-75.0% |
| Admin fee / account holder | $340 | $3,709-90.8% | $5,134-93.4% | $4,645-92.7% |