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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 | $13,833 | $73,787-81.3% | $98,716-86.0% | $82,448-83.2% |
| Participation rate | 32.1% | 61.4%-29.3pp | 69.3%-37.2pp | 68.1%-35.9pp |
| Annual return | 18.62% | 18.57%+0.1pp | 31.81%-13.2pp | 41.64%-23.0pp |
| Employer contribution / active EE | $575 | $1,511-61.9% | $2,279-74.7% | $2,551-77.4% |
| Participant deferral / active EE | $935 | $3,081-69.6% | $4,048-76.9% | $4,139-77.4% |
| Admin fee / account holder | $990 | $6,500-84.8% | $8,703-88.6% | $7,234-86.3% |