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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 | $15,454 | $86,949-82.2% | $102,460-84.9% | $80,959-80.9% |
| Participation rate | 39.5% | 72.4%-32.8pp | 76.5%-37.0pp | 67.7%-28.1pp |
| Annual return | 14.07% | 18.89%-4.8pp | 29.47%-15.4pp | 35.67%-21.6pp |
| Employer contribution / active EE | $729 | $2,370-69.2% | $3,025-75.9% | $2,757-73.6% |
| Participant deferral / active EE | $1,115 | $4,121-72.9% | $5,056-77.9% | $4,300-74.1% |
| Admin fee / account holder | $2,592 | $8,048-67.8% | $9,460-72.6% | $6,925-62.6% |