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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 | $14,978 | $101,795-85.3% | $165,100-90.9% | $80,959-81.5% |
| Participation rate | 42.5% | 71.8%-29.3pp | 78.6%-36.1pp | 67.7%-25.2pp |
| Annual return | 18.07% | 16.73%+1.3pp | 70.21%-52.1pp | 35.67%-17.6pp |
| Employer contribution / active EE | $1,172 | $2,954-60.3% | $4,348-73.0% | $2,757-57.5% |
| Participant deferral / active EE | $1,799 | $4,476-59.8% | $6,035-70.2% | $4,300-58.2% |
| Admin fee / account holder | $2,539 | $8,221-69.1% | $12,696-80.0% | $6,925-63.3% |