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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 | $13,514 | $91,559-85.2% | $133,978-89.9% | $79,856-83.1% |
| Participation rate | 28.6% | 73.3%-44.8pp | 79.8%-51.3pp | 69.6%-41.1pp |
| Annual return | 19.20% | 61.85%-42.7pp | 45.10%-25.9pp | 31.71%-12.5pp |
| Employer contribution / active EE | $1,256 | $2,384-47.3% | $3,919-67.9% | $2,471-49.2% |
| Participant deferral / active EE | $958 | $3,734-74.3% | $5,047-81.0% | $3,741-74.4% |
| Admin fee / account holder | $1,196 | $6,321-81.1% | $8,930-86.6% | $5,306-77.5% |