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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 | $13,327 | $76,551-82.6% | $123,894-89.2% | $62,881-78.8% |
| Participation rate | 65.4% | 73.0%-7.6pp | 81.4%-16.0pp | 69.3%-3.9pp |
| Annual return | 6.46% | 18.68%-12.2pp | 47.52%-41.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,072 | $2,882-62.8% | $4,617-76.8% | $2,281-53.0% |
| Participant deferral / active EE | $1,112 | $4,840-77.0% | $5,984-81.4% | $3,203-65.3% |
| Admin fee / account holder | $1,834 | $4,826-62.0% | $8,357-78.1% | $4,296-57.3% |