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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 | $16,236 | $73,787-78.0% | $98,716-83.6% | $82,448-80.3% |
| Participation rate | 51.6% | 61.4%-9.8pp | 69.3%-17.7pp | 68.1%-16.5pp |
| Annual return | 46.34% | 18.57%+27.8pp | 31.81%+14.5pp | 41.64%+4.7pp |
| Employer contribution / active EE | $691 | $1,511-54.3% | $2,279-69.7% | $2,551-72.9% |
| Participant deferral / active EE | $866 | $3,081-71.9% | $4,048-78.6% | $4,139-79.1% |
| Admin fee / account holder | $1,863 | $6,500-71.3% | $8,703-78.6% | $7,234-74.3% |