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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 | $12,204 | $82,879-85.3% | $96,576-87.4% | $67,986-82.0% |
| Participation rate | 45.6% | 75.2%-29.6pp | 81.4%-35.8pp | 57.2%-11.6pp |
| Annual return | 19.47% | 36.90%-17.4pp | 38.47%-19.0pp | 31.67%-12.2pp |
| Employer contribution / active EE | $686 | $2,727-74.9% | $3,553-80.7% | $2,019-66.0% |
| Participant deferral / active EE | $1,433 | $6,976-79.5% | $7,956-82.0% | $3,358-57.3% |
| Admin fee / account holder | $386 | $2,783-86.1% | $11,381-96.6% | $3,203-87.9% |