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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 | $20,376 | $83,898-75.7% | $133,346-84.7% | $94,015-78.3% |
| Participation rate | 40.4% | 63.4%-22.9pp | 72.8%-32.4pp | 70.8%-30.4pp |
| Annual return | 17.52% | 16.00%+1.5pp | 36.85%-19.3pp | 17.84%-0.3pp |
| Employer contribution / active EE | $704 | $1,821-61.3% | $2,853-75.3% | $2,790-74.8% |
| Participant deferral / active EE | $1,224 | $3,245-62.3% | $4,332-71.7% | $4,249-71.2% |
| Admin fee / account holder | $1,480 | $7,809-81.1% | $14,264-89.6% | $8,951-83.5% |