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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 | $15,708 | $73,787-78.7% | $98,716-84.1% | $82,448-80.9% |
| Participation rate | 18.9% | 61.4%-42.5pp | 69.3%-50.3pp | 68.1%-49.1pp |
| Annual return | 22.84% | 18.57%+4.3pp | 31.81%-9.0pp | 41.64%-18.8pp |
| Employer contribution / active EE | $444 | $1,511-70.6% | $2,279-80.5% | $2,551-82.6% |
| Participant deferral / active EE | $995 | $3,081-67.7% | $4,048-75.4% | $4,139-76.0% |
| Admin fee / account holder | $2,098 | $6,500-67.7% | $8,703-75.9% | $7,234-71.0% |