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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 | $13,316 | $86,949-84.7% | $102,460-87.0% | $80,959-83.6% |
| Participation rate | 32.0% | 72.4%-40.4pp | 76.5%-44.5pp | 67.7%-35.7pp |
| Annual return | 16.05% | 18.89%-2.8pp | 29.47%-13.4pp | 35.67%-19.6pp |
| Employer contribution / active EE | $844 | $2,370-64.4% | $3,025-72.1% | $2,757-69.4% |
| Participant deferral / active EE | $1,452 | $4,121-64.8% | $5,056-71.3% | $4,300-66.2% |
| Admin fee / account holder | $747 | $8,048-90.7% | $9,460-92.1% | $6,925-89.2% |