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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 | $21,116 | $68,607-69.2% | $147,027-85.6% | $64,340-67.2% |
| Participation rate | 23.3% | 50.4%-27.1pp | 73.7%-50.4pp | 55.2%-31.9pp |
| Annual return | 16.13% | 13.75%+2.4pp | 20.23%-4.1pp | 24.14%-8.0pp |
| Employer contribution / active EE | $449 | $1,554-71.1% | $3,626-87.6% | $1,862-75.9% |
| Participant deferral / active EE | $821 | $2,402-65.8% | $4,933-83.4% | $2,980-72.4% |
| Admin fee / account holder | $1,263 | $3,287-61.6% | $12,223-89.7% | $3,703-65.9% |