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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 | $9,759 | $78,520-87.6% | $96,576-89.9% | $82,448-88.2% |
| Participation rate | 17.6% | 77.7%-60.1pp | 81.4%-63.8pp | 68.1%-50.4pp |
| Annual return | 21.15% | 41.30%-20.2pp | 38.47%-17.3pp | 41.64%-20.5pp |
| Employer contribution / active EE | $311 | $2,630-88.2% | $3,553-91.2% | $2,551-87.8% |
| Participant deferral / active EE | $324 | $6,754-95.2% | $7,956-95.9% | $4,139-92.2% |
| Admin fee / account holder | $331 | $13,455-97.5% | $11,381-97.1% | $7,234-95.4% |