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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 | $8,872 | $101,795-91.3% | $165,100-94.6% | $80,959-89.0% |
| Participation rate | 60.0% | 71.8%-11.8pp | 78.6%-18.6pp | 67.7%-7.7pp |
| Annual return | 15.21% | 16.73%-1.5pp | 70.21%-55.0pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,141 | $2,954-61.4% | $4,348-73.8% | $2,757-58.6% |
| Participant deferral / active EE | $1,404 | $4,476-68.6% | $6,035-76.7% | $4,300-67.4% |
| Admin fee / account holder | $475 | $8,221-94.2% | $12,696-96.3% | $6,925-93.1% |