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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 | $50,860-75.8% | $155,574-92.1% | $77,714-84.2% |
| Participation rate | 16.2% | 63.1%-46.9pp | 78.2%-62.0pp | 70.6%-54.4pp |
| Annual return | 12.74% | 34.86%-22.1pp | 64.87%-52.1pp | 31.26%-18.5pp |
| Employer contribution / active EE | $427 | $1,991-78.5% | $4,676-90.9% | $2,727-84.3% |
| Participant deferral / active EE | $766 | $2,825-72.9% | $5,629-86.4% | $4,649-83.5% |
| Admin fee / account holder | $3,378 | $436+673.9% | $15,914-78.8% | $433+679.6% |