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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 | $14,661 | $65,364-77.6% | $92,909-84.2% | $72,975-79.9% |
| Participation rate | 35.2% | 68.3%-33.1pp | 76.0%-40.8pp | 69.5%-34.3pp |
| Annual return | 21.43% | 42.11%-20.7pp | 109.44%-88.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $610 | $2,594-76.5% | $3,653-83.3% | $2,440-75.0% |
| Participant deferral / active EE | $1,140 | $3,128-63.6% | $4,238-73.1% | $3,608-68.4% |
| Admin fee / account holder | $781 | $4,251-81.6% | $5,795-86.5% | $5,124-84.8% |