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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 | $14,492 | $86,298-83.2% | $111,308-87.0% | $85,847-83.1% |
| Participation rate | 53.8% | 73.3%-19.5pp | 77.3%-23.5pp | 69.3%-15.5pp |
| Annual return | 11.43% | 19.99%-8.6pp | 54.67%-43.2pp | 318.61%-307.2pp |
| Employer contribution / active EE | $599 | $2,044-70.7% | $2,732-78.1% | $2,565-76.7% |
| Participant deferral / active EE | $1,134 | $3,641-68.9% | $4,487-74.7% | $3,952-71.3% |
| Admin fee / account holder | $1,208 | $8,189-85.2% | $7,965-84.8% | $6,261-80.7% |