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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 | $11,047 | $74,535-85.2% | $100,712-89.0% | $82,637-86.6% |
| Participation rate | 34.5% | 61.2%-26.6pp | 69.3%-34.7pp | 68.1%-33.5pp |
| Annual return | 24.20% | 18.92%+5.3pp | 33.27%-9.1pp | 53.51%-29.3pp |
| Employer contribution / active EE | $331 | $1,503-78.0% | $2,313-85.7% | $2,552-87.0% |
| Participant deferral / active EE | $618 | $3,074-79.9% | $4,085-84.9% | $4,126-85.0% |
| Admin fee / account holder | $401 | $6,576-93.9% | $9,256-95.7% | $7,339-94.5% |