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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 | $11,320 | $95,453-88.1% | $112,040-89.9% | $82,448-86.3% |
| Participation rate | 64.8% | 72.8%-7.9pp | 76.5%-11.7pp | 68.1%-3.2pp |
| Annual return | 61.84% | 23.92%+37.9pp | 24.52%+37.3pp | 41.64%+20.2pp |
| Employer contribution / active EE | $960 | $2,318-58.6% | $2,954-67.5% | $2,551-62.3% |
| Participant deferral / active EE | $1,744 | $4,224-58.7% | $5,098-65.8% | $4,139-57.9% |
| Admin fee / account holder | $533 | $9,013-94.1% | $12,098-95.6% | $7,234-92.6% |