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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 | $8,700 | $76,550-88.6% | $123,894-93.0% | $62,881-86.2% |
| Participation rate | 46.6% | 73.0%-26.4pp | 81.4%-34.9pp | 69.3%-22.8pp |
| Annual return | 13.44% | 18.67%-5.2pp | 47.52%-34.1pp | 20.14%-6.7pp |
| Employer contribution / active EE | $1,100 | $2,882-61.8% | $4,617-76.2% | $2,281-51.8% |
| Participant deferral / active EE | $1,255 | $4,840-74.1% | $5,984-79.0% | $3,203-60.8% |
| Admin fee / account holder | $546 | $4,826-88.7% | $8,357-93.5% | $4,296-87.3% |