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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 | $14,803 | $78,423-81.1% | $95,964-84.6% | $79,856-81.5% |
| Participation rate | 35.3% | 73.5%-38.2pp | 77.1%-41.8pp | 69.6%-34.3pp |
| Annual return | 12.98% | 19.37%-6.4pp | 91.64%-78.7pp | 31.71%-18.7pp |
| Employer contribution / active EE | $975 | $1,945-49.9% | $2,541-61.6% | $2,471-60.5% |
| Participant deferral / active EE | $1,441 | $3,440-58.1% | $4,167-65.4% | $3,741-61.5% |
| Admin fee / account holder | $2,429 | $5,622-56.8% | $6,797-64.3% | $5,306-54.2% |