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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 | $15,846 | $86,949-81.8% | $102,460-84.5% | $80,959-80.4% |
| Participation rate | 37.7% | 72.4%-34.7pp | 76.5%-38.8pp | 67.7%-30.0pp |
| Annual return | 14.47% | 18.89%-4.4pp | 29.47%-15.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $700 | $2,370-70.5% | $3,025-76.9% | $2,757-74.6% |
| Participant deferral / active EE | $1,612 | $4,121-60.9% | $5,056-68.1% | $4,300-62.5% |
| Admin fee / account holder | $964 | $8,048-88.0% | $9,460-89.8% | $6,925-86.1% |