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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 | $10,945 | $106,247-89.7% | $96,515-88.7% | $139,466-92.2% |
| Participation rate | 56.5% | 77.8%-21.3pp | 74.3%-17.8pp | 80.3%-23.8pp |
| Annual return | 16.75% | 38.47%-21.7pp | 35.73%-19.0pp | 373.66%-356.9pp |
| Employer contribution / active EE | $860 | $4,106-79.1% | $3,740-77.0% | $4,754-81.9% |
| Participant deferral / active EE | $1,061 | $5,456-80.5% | $4,880-78.2% | $6,712-84.2% |
| Admin fee / account holder | $4,132 | $7,885-47.6% | $6,735-38.7% | $11,409-63.8% |