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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 | $15,434 | $98,766-84.4% | $149,730-89.7% | $79,852-80.7% |
| Participation rate | 55.6% | 75.8%-20.2pp | 82.5%-26.9pp | 69.6%-14.1pp |
| Annual return | 24.79% | 27.43%-2.6pp | 276.70%-251.9pp | 31.72%-6.9pp |
| Employer contribution / active EE | $739 | $3,217-77.0% | $4,645-84.1% | $2,471-70.1% |
| Participant deferral / active EE | $1,661 | $5,681-70.8% | $6,843-75.7% | $3,740-55.6% |
| Admin fee / account holder | $1,158 | $6,052-80.9% | $9,310-87.6% | $5,306-78.2% |