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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 | $10,357 | $74,535-86.1% | $100,712-89.7% | $82,637-87.5% |
| Participation rate | 48.6% | 61.2%-12.5pp | 69.3%-20.6pp | 68.1%-19.4pp |
| Annual return | 22.10% | 18.92%+3.2pp | 33.27%-11.2pp | 53.51%-31.4pp |
| Employer contribution / active EE | $914 | $1,503-39.2% | $2,313-60.5% | $2,552-64.2% |
| Participant deferral / active EE | $1,135 | $3,074-63.1% | $4,085-72.2% | $4,126-72.5% |
| Admin fee / account holder | $391 | $6,576-94.0% | $9,256-95.8% | $7,339-94.7% |