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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 | $14,382 | $81,487-82.4% | $102,412-86.0% | $80,935-82.2% |
| Participation rate | 34.5% | 66.8%-32.4pp | 74.5%-40.0pp | 67.7%-33.2pp |
| Annual return | 18.42% | 25.60%-7.2pp | 24.94%-6.5pp | 35.66%-17.2pp |
| Employer contribution / active EE | $880 | $3,103-71.6% | $3,870-77.3% | $2,757-68.1% |
| Participant deferral / active EE | $1,195 | $3,871-69.1% | $5,060-76.4% | $4,299-72.2% |
| Admin fee / account holder | $3,460 | $6,717-48.5% | $8,388-58.7% | $6,924-50.0% |