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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 | $13,444 | $65,364-79.4% | $92,909-85.5% | $72,975-81.6% |
| Participation rate | 51.7% | 68.3%-16.6pp | 76.0%-24.3pp | 69.5%-17.8pp |
| Annual return | 29.75% | 42.11%-12.4pp | 109.44%-79.7pp | 81.01%-51.3pp |
| Employer contribution / active EE | $747 | $2,594-71.2% | $3,653-79.5% | $2,440-69.4% |
| Participant deferral / active EE | $1,102 | $3,128-64.8% | $4,238-74.0% | $3,608-69.5% |
| Admin fee / account holder | $417 | $4,251-90.2% | $5,795-92.8% | $5,124-91.9% |