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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 | $14,446 | $72,177-80.0% | $115,038-87.4% | $59,633-75.8% |
| Participation rate | 31.1% | 72.6%-41.5pp | 81.4%-50.3pp | 68.7%-37.6pp |
| Annual return | 9.54% | 12.02%-2.5pp | 26.14%-16.6pp | 2041.45%-2031.9pp |
| Employer contribution / active EE | $3,158 | $2,841+11.1% | $4,608-31.5% | $2,203+43.4% |
| Participant deferral / active EE | $0 | $4,783-100.0% | $6,026-100.0% | $3,192-100.0% |
| Admin fee / account holder | $1,545 | $4,927-68.6% | $8,175-81.1% | $4,297-64.0% |