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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 | $16,048 | $76,834-79.1% | $108,359-85.2% | $87,485-81.7% |
| Participation rate | 56.4% | 61.7%-5.4pp | 70.1%-13.8pp | 68.9%-12.6pp |
| Annual return | 14.39% | 19.09%-4.7pp | 36.89%-22.5pp | 26.06%-11.7pp |
| Employer contribution / active EE | $550 | $1,556-64.6% | $2,399-77.1% | $2,596-78.8% |
| Participant deferral / active EE | $1,100 | $3,100-64.5% | $4,137-73.4% | $4,274-74.3% |
| Admin fee / account holder | $1,827 | $6,537-72.1% | $9,741-81.2% | $7,775-76.5% |