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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 | $77,574-85.8% | $108,753-89.8% | $86,983-87.3% |
| Participation rate | 34.5% | 62.3%-27.7pp | 71.1%-36.5pp | 69.5%-35.0pp |
| Annual return | 24.20% | 18.42%+5.8pp | 37.47%-13.3pp | 25.83%-1.6pp |
| Employer contribution / active EE | $331 | $1,611-79.5% | $2,427-86.4% | $2,584-87.2% |
| Participant deferral / active EE | $618 | $3,128-80.2% | $4,115-85.0% | $4,194-85.3% |
| Admin fee / account holder | $401 | $6,529-93.9% | $10,320-96.1% | $7,856-94.9% |