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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 | $10,509 | $69,383-84.9% | $101,275-89.6% | $73,497-85.7% |
| Participation rate | 33.1% | 68.4%-35.3pp | 75.8%-42.8pp | 70.7%-37.6pp |
| Annual return | 28.43% | 18.46%+10.0pp | 46.48%-18.0pp | 28.51%-0.1pp |
| Employer contribution / active EE | $650 | $2,628-75.3% | $3,660-82.2% | $2,270-71.4% |
| Participant deferral / active EE | $1,389 | $3,301-57.9% | $4,371-68.2% | $3,740-62.9% |
| Admin fee / account holder | $564 | $704-19.9% | $5,948-90.5% | $513+9.9% |