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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 | $14,410 | $100,003-85.6% | $146,685-90.2% | $85,856-83.2% |
| Participation rate | 42.3% | 73.1%-30.8pp | 80.1%-37.8pp | 69.3%-27.0pp |
| Annual return | 15.88% | 18.93%-3.0pp | 22.75%-6.9pp | 318.58%-302.7pp |
| Employer contribution / active EE | $669 | $2,559-73.9% | $4,137-83.8% | $2,565-73.9% |
| Participant deferral / active EE | $1,012 | $4,006-74.7% | $5,507-81.6% | $3,952-74.4% |
| Admin fee / account holder | $2,776 | $7,704-64.0% | $10,281-73.0% | $6,261-55.7% |