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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 | $11,197 | $59,839-81.3% | $81,991-86.3% | $79,852-86.0% |
| Participation rate | 41.1% | 61.6%-20.5pp | 69.3%-28.2pp | 69.6%-28.6pp |
| Annual return | 12.69% | 17.56%-4.9pp | 41.31%-28.6pp | 31.72%-19.0pp |
| Employer contribution / active EE | $392 | $1,713-77.1% | $2,498-84.3% | $2,471-84.1% |
| Participant deferral / active EE | $787 | $2,695-70.8% | $3,722-78.9% | $3,740-79.0% |
| Admin fee / account holder | $1,156 | $4,287-73.0% | $5,665-79.6% | $5,306-78.2% |