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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 | $17,749 | $91,439-80.6% | $135,974-86.9% | $71,511-75.2% |
| Participation rate | 62.0% | 75.7%-13.6pp | 81.9%-19.9pp | 67.9%-5.9pp |
| Annual return | 20.27% | 29.90%-9.6pp | 68.30%-48.0pp | 28.86%-8.6pp |
| Employer contribution / active EE | $1,390 | $3,705-62.5% | $4,859-71.4% | $2,589-46.3% |
| Participant deferral / active EE | $1,965 | $7,093-72.3% | $7,760-74.7% | $4,291-54.2% |
| Admin fee / account holder | $1,028 | $1,267-18.8% | $10,767-90.5% | $1,588-35.3% |