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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 | $16,089 | $56,894-71.7% | $84,753-81.0% | $62,881-74.4% |
| Participation rate | 58.8% | 68.5%-9.7pp | 76.6%-17.8pp | 69.3%-10.5pp |
| Annual return | 6.76% | 6.30%+0.5pp | 22.78%-16.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,984 | $2,400-17.3% | $3,574-44.5% | $2,281-13.0% |
| Participant deferral / active EE | $652 | $2,709-75.9% | $3,712-82.4% | $3,203-79.6% |
| Admin fee / account holder | $597 | $3,581-83.3% | $5,333-88.8% | $4,296-86.1% |