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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 | $14,240 | $56,047-74.6% | $98,716-85.6% | $79,634-82.1% |
| Participation rate | 19.4% | 54.6%-35.2pp | 69.3%-49.9pp | 62.5%-43.1pp |
| Annual return | 19.60% | 17.58%+2.0pp | 31.81%-12.2pp | 36.46%-16.9pp |
| Employer contribution / active EE | $379 | $1,237-69.4% | $2,279-83.4% | $2,529-85.0% |
| Participant deferral / active EE | $332 | $2,469-86.6% | $4,048-91.8% | $3,835-91.3% |
| Admin fee / account holder | $893 | $1,512-41.0% | $8,703-89.7% | $1,002-10.9% |