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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 | $97,550-83.8% | $120,344-86.9% | $87,485-81.9% |
| Participation rate | 56.3% | 72.8%-16.6pp | 76.7%-20.5pp | 68.9%-12.7pp |
| Annual return | 13.60% | 18.41%-4.8pp | 20.30%-6.7pp | 26.06%-12.5pp |
| Employer contribution / active EE | $1,100 | $2,291-52.0% | $3,020-63.6% | $2,596-57.6% |
| Participant deferral / active EE | $1,536 | $4,230-63.7% | $5,135-70.1% | $4,274-64.1% |
| Admin fee / account holder | $2,152 | $9,543-77.4% | $12,742-83.1% | $7,775-72.3% |