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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 | $14,937 | $101,795-85.3% | $165,100-91.0% | $80,959-81.5% |
| Participation rate | 29.2% | 71.8%-42.7pp | 78.6%-49.5pp | 67.7%-38.5pp |
| Annual return | 13.95% | 16.73%-2.8pp | 70.21%-56.3pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,063 | $2,954-64.0% | $4,348-75.6% | $2,757-61.4% |
| Participant deferral / active EE | $1,368 | $4,476-69.4% | $6,035-77.3% | $4,300-68.2% |
| Admin fee / account holder | $1,555 | $8,221-81.1% | $12,696-87.8% | $6,925-77.5% |