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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 | $11,108 | $56,110-80.2% | $94,993-88.3% | $70,126-84.2% |
| Participation rate | 31.6% | 65.0%-33.4pp | 73.9%-42.3pp | 69.5%-38.0pp |
| Annual return | 21.68% | 51.02%-29.3pp | 27.14%-5.5pp | 73.15%-51.5pp |
| Employer contribution / active EE | $465 | $1,442-67.8% | $2,603-82.1% | $2,343-80.2% |
| Participant deferral / active EE | $828 | $2,391-65.4% | $3,317-75.0% | $3,332-75.1% |
| Admin fee / account holder | $752 | $3,456-78.2% | $4,960-84.8% | $4,645-83.8% |