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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 | $20,548 | $87,132-76.4% | $105,624-80.5% | $80,959-74.6% |
| Participation rate | 34.3% | 70.4%-36.1pp | 75.3%-40.9pp | 67.7%-33.3pp |
| Annual return | 21.84% | 17.03%+4.8pp | 116.20%-94.4pp | 35.67%-13.8pp |
| Employer contribution / active EE | $803 | $2,397-66.5% | $3,168-74.6% | $2,757-70.9% |
| Participant deferral / active EE | $1,549 | $3,985-61.1% | $5,013-69.1% | $4,300-64.0% |
| Admin fee / account holder | $887 | $8,449-89.5% | $10,961-91.9% | $6,925-87.2% |