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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 | $12,205 | $86,938-86.0% | $102,423-88.1% | $80,925-84.9% |
| Participation rate | 53.7% | 72.4%-18.7pp | 76.5%-22.8pp | 67.7%-14.0pp |
| Annual return | 12.59% | 18.89%-6.3pp | 29.42%-16.8pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,306 | $2,369-44.9% | $3,023-56.8% | $2,756-52.6% |
| Participant deferral / active EE | $1,727 | $4,120-58.1% | $5,054-65.8% | $4,299-59.8% |
| Admin fee / account holder | $5,095 | $8,053-36.7% | $9,455-46.1% | $6,940-26.6% |