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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 | $10,225 | $56,894-82.0% | $84,753-87.9% | $62,881-83.7% |
| Participation rate | 45.9% | 68.5%-22.6pp | 76.6%-30.7pp | 69.3%-23.4pp |
| Annual return | 9.18% | 6.30%+2.9pp | 22.78%-13.6pp | 20.14%-11.0pp |
| Employer contribution / active EE | $480 | $2,400-80.0% | $3,574-86.6% | $2,281-79.0% |
| Participant deferral / active EE | $1,055 | $2,709-61.1% | $3,712-71.6% | $3,203-67.1% |
| Admin fee / account holder | $661 | $3,581-81.5% | $5,333-87.6% | $4,296-84.6% |