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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 | $12,314 | $50,919-75.8% | $155,556-92.1% | $77,762-84.2% |
| Participation rate | 16.2% | 63.1%-46.9pp | 78.2%-62.0pp | 70.6%-54.4pp |
| Annual return | 12.74% | 34.84%-22.1pp | 64.84%-52.1pp | 31.27%-18.5pp |
| Employer contribution / active EE | $427 | $1,991-78.5% | $4,675-90.9% | $2,728-84.3% |
| Participant deferral / active EE | $766 | $2,824-72.9% | $5,631-86.4% | $4,651-83.5% |
| Admin fee / account holder | $3,378 | $437+673.4% | $15,885-78.7% | $433+680.3% |