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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 | $13,624 | $89,652-84.8% | $141,191-90.4% | $65,185-79.1% |
| Participation rate | 67.5% | 74.7%-7.2pp | 82.5%-15.0pp | 70.2%-2.7pp |
| Annual return | 27.62% | 32.79%-5.2pp | 71.41%-43.8pp | 29.38%-1.8pp |
| Employer contribution / active EE | $1,445 | $3,065-52.8% | $4,736-69.5% | $2,177-33.6% |
| Participant deferral / active EE | $2,082 | $5,691-63.4% | $6,710-69.0% | $3,514-40.8% |
| Admin fee / account holder | $2,706 | $569+376.0% | $10,264-73.6% | $847+219.4% |