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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 | $10,308 | $124,980-91.8% | $108,359-90.5% | $154,746-93.3% |
| Participation rate | 47.1% | 75.2%-28.1pp | 70.1%-23.1pp | 80.7%-33.6pp |
| Annual return | 15.44% | 45.00%-29.6pp | 36.89%-21.5pp | 172.34%-156.9pp |
| Employer contribution / active EE | $608 | $2,851-78.7% | $2,399-74.7% | $4,379-86.1% |
| Participant deferral / active EE | $1,004 | $4,743-78.8% | $4,137-75.7% | $6,730-85.1% |
| Admin fee / account holder | $4,134 | $11,502-64.1% | $9,741-57.6% | $14,365-71.2% |