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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 | $14,527 | $72,269-79.9% | $101,271-85.7% | $79,852-81.8% |
| Participation rate | 30.3% | 68.5%-38.2pp | 75.8%-45.5pp | 69.6%-39.3pp |
| Annual return | 15.17% | 22.29%-7.1pp | 46.48%-31.3pp | 31.72%-16.6pp |
| Employer contribution / active EE | $950 | $2,692-64.7% | $3,660-74.1% | $2,471-61.6% |
| Participant deferral / active EE | $1,285 | $3,282-60.8% | $4,371-70.6% | $3,740-65.7% |
| Admin fee / account holder | $1,593 | $4,401-63.8% | $5,948-73.2% | $5,306-70.0% |