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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 | $15,739 | $50,643-68.9% | $106,619-85.2% | $55,167-71.5% |
| Participation rate | 17.7% | 65.6%-47.9pp | 78.0%-60.3pp | 69.0%-51.3pp |
| Annual return | 6.34% | 7.02%-0.7pp | 9.42%-3.1pp | 169.23%-162.9pp |
| Employer contribution / active EE | $547 | $1,626-66.4% | $3,947-86.1% | $1,963-72.1% |
| Participant deferral / active EE | $951 | $2,208-56.9% | $3,930-75.8% | $3,054-68.9% |
| Admin fee / account holder | $4,464 | $488+814.9% | $6,418-30.5% | $504+785.8% |