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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 | $15,450 | $100,194-84.6% | $122,979-87.4% | $86,983-82.2% |
| Participation rate | 57.3% | 73.0%-15.7pp | 77.2%-19.9pp | 69.5%-12.3pp |
| Annual return | 18.26% | 16.47%+1.8pp | 20.12%-1.9pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,003 | $2,326-56.8% | $3,062-67.2% | $2,584-61.2% |
| Participant deferral / active EE | $1,498 | $4,133-63.8% | $5,003-70.1% | $4,194-64.3% |
| Admin fee / account holder | $2,107 | $10,148-79.2% | $12,864-83.6% | $7,856-73.2% |