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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 | $15,268 | $86,949-82.4% | $102,460-85.1% | $80,959-81.1% |
| Participation rate | 61.3% | 72.4%-11.1pp | 76.5%-15.2pp | 67.7%-6.4pp |
| Annual return | 14.63% | 18.89%-4.3pp | 29.47%-14.8pp | 35.67%-21.0pp |
| Employer contribution / active EE | $980 | $2,370-58.6% | $3,025-67.6% | $2,757-64.4% |
| Participant deferral / active EE | $1,412 | $4,121-65.7% | $5,056-72.1% | $4,300-67.2% |
| Admin fee / account holder | $878 | $8,048-89.1% | $9,460-90.7% | $6,925-87.3% |