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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 | $17,474 | $54,541-68.0% | $78,778-77.8% | $70,124-75.1% |
| Participation rate | 40.0% | 60.8%-20.8pp | 69.2%-29.2pp | 69.5%-29.5pp |
| Annual return | 14.06% | 21.07%-7.0pp | 35.62%-21.6pp | 73.14%-59.1pp |
| Employer contribution / active EE | $362 | $1,089-66.7% | $1,986-81.8% | $2,342-84.5% |
| Participant deferral / active EE | $469 | $2,210-78.8% | $2,958-84.2% | $3,332-85.9% |
| Admin fee / account holder | $1,089 | $3,709-70.6% | $5,134-78.8% | $4,645-76.6% |