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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 | $14,141 | $78,682-82.0% | $109,188-87.0% | $85,851-83.5% |
| Participation rate | 54.7% | 68.3%-13.6pp | 75.9%-21.2pp | 69.3%-14.7pp |
| Annual return | 15.60% | 25.09%-9.5pp | 25.76%-10.2pp | 318.63%-303.0pp |
| Employer contribution / active EE | $2,623 | $2,734-4.1% | $3,723-29.6% | $2,565+2.2% |
| Participant deferral / active EE | $1,435 | $3,468-58.6% | $4,654-69.2% | $3,952-63.7% |
| Admin fee / account holder | $2,624 | $5,470-52.0% | $6,755-61.2% | $6,261-58.1% |