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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 | $12,101 | $106,524-88.6% | $152,301-92.1% | $87,485-86.2% |
| Participation rate | 68.6% | 75.8%-7.2pp | 82.4%-13.9pp | 68.9%-0.4pp |
| Annual return | 14.69% | 26.89%-12.2pp | 80.50%-65.8pp | 26.06%-11.4pp |
| Employer contribution / active EE | $719 | $3,371-78.7% | $4,624-84.5% | $2,596-72.3% |
| Participant deferral / active EE | $1,585 | $6,525-75.7% | $8,004-80.2% | $4,274-62.9% |
| Admin fee / account holder | $906 | $8,287-89.1% | $14,398-93.7% | $7,775-88.4% |