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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 | $14,336 | $78,027-81.6% | $178,528-92.0% | $80,925-82.3% |
| Participation rate | 29.7% | 65.7%-36.0pp | 77.1%-47.4pp | 67.7%-38.0pp |
| Annual return | 34.15% | 18.09%+16.1pp | 27.11%+7.0pp | 35.65%-1.5pp |
| Employer contribution / active EE | $632 | $2,281-72.3% | $3,950-84.0% | $2,756-77.1% |
| Participant deferral / active EE | $1,111 | $4,408-74.8% | $6,278-82.3% | $4,299-74.2% |
| Admin fee / account holder | $1,322 | $7,168-81.6% | $10,419-87.3% | $6,940-81.0% |