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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 | $10,036 | $93,589-89.3% | $135,942-92.6% | $75,181-86.7% |
| Participation rate | 64.7% | 75.2%-10.5pp | 81.9%-17.2pp | 67.2%-2.5pp |
| Annual return | 33.08% | 30.90%+2.2pp | 68.28%-35.2pp | 160.69%-127.6pp |
| Employer contribution / active EE | $1,611 | $3,537-54.5% | $4,858-66.8% | $2,671-39.7% |
| Participant deferral / active EE | $2,161 | $6,405-66.3% | $7,759-72.2% | $4,126-47.6% |
| Admin fee / account holder | $1,397 | $6,977-80.0% | $10,764-87.0% | $5,650-75.3% |