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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 | $10,110 | $79,955-87.4% | $98,461-89.7% | $75,173-86.6% |
| Participation rate | 28.6% | 70.4%-41.8pp | 75.2%-46.6pp | 67.2%-38.6pp |
| Annual return | 14.96% | 19.75%-4.8pp | 21.17%-6.2pp | 160.72%-145.8pp |
| Employer contribution / active EE | $598 | $2,264-73.6% | $3,049-80.4% | $2,671-77.6% |
| Participant deferral / active EE | $1,289 | $3,752-65.6% | $4,738-72.8% | $4,126-68.8% |
| Admin fee / account holder | $912 | $6,841-86.7% | $8,961-89.8% | $5,651-83.9% |