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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 | $12,674 | $83,369-84.8% | $105,223-88.0% | $67,986-81.4% |
| Participation rate | 65.8% | 56.3%+9.5pp | 75.0%-9.2pp | 57.2%+8.6pp |
| Annual return | 17.76% | 24.64%-6.9pp | 180.65%-162.9pp | 31.67%-13.9pp |
| Employer contribution / active EE | $1,156 | $2,541-54.5% | $3,689-68.7% | $2,019-42.7% |
| Participant deferral / active EE | $1,360 | $3,295-58.7% | $5,072-73.2% | $3,358-59.5% |
| Admin fee / account holder | $2,335 | $4,073-42.7% | $8,859-73.6% | $3,203-27.1% |