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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 | $14,351 | $67,602-78.8% | $82,312-82.6% | $70,126-79.5% |
| Participation rate | 50.8% | 72.8%-22.0pp | 76.9%-26.1pp | 69.5%-18.8pp |
| Annual return | 13.35% | 21.57%-8.2pp | 25.88%-12.5pp | 73.15%-59.8pp |
| Employer contribution / active EE | $521 | $1,755-70.3% | $2,428-78.5% | $2,343-77.7% |
| Participant deferral / active EE | $1,106 | $2,987-63.0% | $3,706-70.2% | $3,332-66.8% |
| Admin fee / account holder | $1,304 | $4,512-71.1% | $5,608-76.7% | $4,645-71.9% |