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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 | $10,274 | $90,400-88.6% | $186,193-94.5% | $87,485-88.3% |
| Participation rate | 50.9% | 66.2%-15.3pp | 77.1%-26.2pp | 68.9%-18.0pp |
| Annual return | 23.57% | 22.15%+1.4pp | 78.03%-54.5pp | 26.06%-2.5pp |
| Employer contribution / active EE | $694 | $2,170-68.0% | $3,918-82.3% | $2,596-73.3% |
| Participant deferral / active EE | $987 | $4,330-77.2% | $6,513-84.9% | $4,274-76.9% |
| Admin fee / account holder | $478 | $8,673-94.5% | $11,058-95.7% | $7,775-93.9% |