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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 | $15,185 | $54,541-72.2% | $78,778-80.7% | $70,126-78.3% |
| Participation rate | 52.4% | 60.8%-8.4pp | 69.2%-16.8pp | 69.5%-17.2pp |
| Annual return | 18.71% | 21.07%-2.4pp | 35.62%-16.9pp | 73.15%-54.4pp |
| Employer contribution / active EE | $476 | $1,089-56.3% | $1,986-76.0% | $2,343-79.7% |
| Participant deferral / active EE | $744 | $2,210-66.3% | $2,958-74.9% | $3,332-77.7% |
| Admin fee / account holder | $1,213 | $3,709-67.3% | $5,134-76.4% | $4,645-73.9% |