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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 | $12,890 | $106,864-87.9% | $147,318-91.2% | $82,637-84.4% |
| Participation rate | 46.4% | 75.5%-29.1pp | 82.1%-35.7pp | 68.1%-21.7pp |
| Annual return | 19.71% | 27.49%-7.8pp | 70.43%-50.7pp | 53.51%-33.8pp |
| Employer contribution / active EE | $814 | $3,417-76.2% | $4,593-82.3% | $2,552-68.1% |
| Participant deferral / active EE | $2,307 | $6,496-64.5% | $7,906-70.8% | $4,126-44.1% |
| Admin fee / account holder | $1,151 | $8,415-86.3% | $13,708-91.6% | $7,339-84.3% |