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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 | $13,579 | $46,464-70.8% | $150,298-91.0% | $79,634-82.9% |
| Participation rate | 14.0% | 57.0%-43.0pp | 77.8%-63.8pp | 62.5%-48.5pp |
| Annual return | 13.49% | 27.89%-14.4pp | 62.79%-49.3pp | 36.46%-23.0pp |
| Employer contribution / active EE | $249 | $1,512-83.5% | $4,154-94.0% | $2,529-90.1% |
| Participant deferral / active EE | $376 | $2,157-82.6% | $5,453-93.1% | $3,835-90.2% |
| Admin fee / account holder | $1,129 | $891+26.7% | $14,116-92.0% | $1,002+12.7% |