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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 | $13,971 | $76,696-81.8% | $96,515-85.5% | $71,511-80.5% |
| Participation rate | 54.1% | 66.6%-12.5pp | 74.3%-20.3pp | 67.9%-13.9pp |
| Annual return | 15.88% | 48.32%-32.4pp | 35.73%-19.9pp | 28.86%-13.0pp |
| Employer contribution / active EE | $796 | $3,032-73.7% | $3,740-78.7% | $2,589-69.3% |
| Participant deferral / active EE | $1,274 | $3,770-66.2% | $4,880-73.9% | $4,291-70.3% |
| Admin fee / account holder | $1,362 | $2,030-32.9% | $6,735-79.8% | $1,588-14.3% |