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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 | $14,340 | $103,387-86.1% | $87,102-83.5% | $152,885-90.6% |
| Participation rate | 61.9% | 79.4%-17.4pp | 76.9%-15.0pp | 82.5%-20.5pp |
| Annual return | 11.83% | 28.10%-16.3pp | 28.19%-16.4pp | 345.39%-333.6pp |
| Employer contribution / active EE | $730 | $3,221-77.3% | $2,521-71.0% | $4,763-84.7% |
| Participant deferral / active EE | $1,374 | $4,778-71.2% | $4,048-66.1% | $5,851-76.5% |
| Admin fee / account holder | $2,076 | $12,193-83.0% | $7,491-72.3% | $11,598-82.1% |