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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 | $10,522 | $49,138-78.6% | $84,021-87.5% | $65,185-83.9% |
| Participation rate | 18.1% | 60.7%-42.6pp | 69.0%-50.9pp | 70.2%-52.1pp |
| Annual return | 28.20% | 23.00%+5.2pp | 71.32%-43.1pp | 29.38%-1.2pp |
| Employer contribution / active EE | $440 | $914-51.8% | $1,984-77.8% | $2,177-79.8% |
| Participant deferral / active EE | $662 | $2,397-72.4% | $3,239-79.6% | $3,514-81.2% |
| Admin fee / account holder | $1,612 | $543+196.7% | $6,102-73.6% | $847+90.3% |