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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 | $14,695 | $91,474-83.9% | $135,982-89.2% | $71,529-79.5% |
| Participation rate | 44.9% | 75.7%-30.8pp | 81.9%-37.1pp | 67.9%-23.1pp |
| Annual return | 21.79% | 29.89%-8.1pp | 68.32%-46.5pp | 28.97%-7.2pp |
| Employer contribution / active EE | $1,208 | $3,705-67.4% | $4,859-75.1% | $2,590-53.4% |
| Participant deferral / active EE | $1,924 | $7,095-72.9% | $7,760-75.2% | $4,291-55.2% |
| Admin fee / account holder | $1,753 | $1,267+38.3% | $10,767-83.7% | $1,588+10.4% |