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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 | $12,800 | $124,425-89.7% | $112,040-88.6% | $137,256-90.7% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 23.77% | 24.72%-0.9pp | 24.52%-0.7pp | 220.34%-196.6pp |
| Employer contribution / active EE | $1,503 | $3,411-55.9% | $2,954-49.1% | $4,156-63.8% |
| Participant deferral / active EE | $1,582 | $5,718-72.3% | $5,098-69.0% | $6,407-75.3% |
| Admin fee / account holder | $1,087 | $15,207-92.9% | $12,098-91.0% | $12,270-91.1% |