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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 | $15,793 | $95,453-83.5% | $112,040-85.9% | $82,448-80.8% |
| Participation rate | 56.3% | 72.8%-16.5pp | 76.5%-20.2pp | 68.1%-11.8pp |
| Annual return | 13.60% | 23.92%-10.3pp | 24.52%-10.9pp | 41.64%-28.0pp |
| Employer contribution / active EE | $1,100 | $2,318-52.5% | $2,954-62.8% | $2,551-56.9% |
| Participant deferral / active EE | $1,536 | $4,224-63.6% | $5,098-69.9% | $4,139-62.9% |
| Admin fee / account holder | $2,152 | $9,013-76.1% | $12,098-82.2% | $7,234-70.3% |