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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 | $10,262 | $63,845-83.9% | $81,370-87.4% | $80,959-87.3% |
| Participation rate | 43.8% | 63.9%-20.1pp | 69.5%-25.8pp | 67.7%-23.9pp |
| Annual return | 13.37% | 16.37%-3.0pp | 24.85%-11.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,104 | $1,980-44.2% | $2,464-55.2% | $2,757-60.0% |
| Participant deferral / active EE | $1,019 | $3,093-67.1% | $3,885-73.8% | $4,300-76.3% |
| Admin fee / account holder | $407 | $5,688-92.8% | $5,749-92.9% | $6,925-94.1% |