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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 | $14,205 | $86,949-83.7% | $102,460-86.1% | $80,959-82.5% |
| Participation rate | 60.9% | 72.4%-11.4pp | 76.5%-15.6pp | 67.7%-6.7pp |
| Annual return | 30.95% | 18.89%+12.1pp | 29.47%+1.5pp | 35.67%-4.7pp |
| Employer contribution / active EE | $1,351 | $2,370-43.0% | $3,025-55.3% | $2,757-51.0% |
| Participant deferral / active EE | $1,770 | $4,121-57.1% | $5,056-65.0% | $4,300-58.8% |
| Admin fee / account holder | $409 | $8,048-94.9% | $9,460-95.7% | $6,925-94.1% |