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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 | $73,787-85.0% | $98,716-88.8% | $82,448-86.6% |
| Participation rate | 34.5% | 61.4%-26.9pp | 69.3%-34.7pp | 68.1%-33.5pp |
| Annual return | 24.20% | 18.57%+5.6pp | 31.81%-7.6pp | 41.64%-17.4pp |
| Employer contribution / active EE | $331 | $1,511-78.1% | $2,279-85.5% | $2,551-87.0% |
| Participant deferral / active EE | $618 | $3,081-79.9% | $4,048-84.7% | $4,139-85.1% |
| Admin fee / account holder | $401 | $6,500-93.8% | $8,703-95.4% | $7,234-94.5% |