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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 | $12,919 | $54,541-76.3% | $78,778-83.6% | $70,124-81.6% |
| Participation rate | 36.4% | 60.8%-24.4pp | 69.2%-32.8pp | 69.5%-33.2pp |
| Annual return | 12.69% | 21.07%-8.4pp | 35.62%-22.9pp | 73.14%-60.4pp |
| Employer contribution / active EE | $492 | $1,089-54.8% | $1,986-75.2% | $2,342-79.0% |
| Participant deferral / active EE | $526 | $2,210-76.2% | $2,958-82.2% | $3,332-84.2% |
| Admin fee / account holder | $1,273 | $3,709-65.7% | $5,134-75.2% | $4,645-72.6% |