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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 | $16,645 | $71,197-76.6% | $93,669-82.2% | $80,925-79.4% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 21.76% | 11.27%+10.5pp | 133.59%-111.8pp | 35.65%-13.9pp |
| Employer contribution / active EE | $559 | $1,565-64.3% | $2,424-76.9% | $2,756-79.7% |
| Participant deferral / active EE | $965 | $4,036-76.1% | $4,416-78.2% | $4,299-77.6% |
| Admin fee / account holder | $446 | $6,959-93.6% | $8,291-94.6% | $6,940-93.6% |