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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 | $17,035 | $71,197-76.1% | $93,669-81.8% | $80,925-78.9% |
| Participation rate | 38.2% | 60.4%-22.2pp | 68.7%-30.5pp | 67.7%-29.5pp |
| Annual return | 12.33% | 11.27%+1.1pp | 133.59%-121.3pp | 35.65%-23.3pp |
| Employer contribution / active EE | $541 | $1,565-65.5% | $2,424-77.7% | $2,756-80.4% |
| Participant deferral / active EE | $704 | $4,036-82.5% | $4,416-84.0% | $4,299-83.6% |
| Admin fee / account holder | $424 | $6,959-93.9% | $8,291-94.9% | $6,940-93.9% |