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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 | $13,877 | $73,988-81.2% | $96,538-85.6% | $75,177-81.5% |
| Participation rate | 53.1% | 66.4%-13.4pp | 74.3%-21.3pp | 67.2%-14.1pp |
| Annual return | 19.61% | 26.73%-7.1pp | 35.74%-16.1pp | 160.75%-141.1pp |
| Employer contribution / active EE | $864 | $2,930-70.5% | $3,740-76.9% | $2,671-67.7% |
| Participant deferral / active EE | $1,259 | $3,660-65.6% | $4,880-74.2% | $4,126-69.5% |
| Admin fee / account holder | $599 | $5,220-88.5% | $6,737-91.1% | $5,651-89.4% |