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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 | $8,399 | $59,191-85.8% | $76,767-89.1% | $56,289-85.1% |
| Participation rate | 45.0% | 75.2%-30.3pp | 77.0%-32.0pp | 69.9%-24.9pp |
| Annual return | 11.69% | 6.62%+5.1pp | 2.43%+9.3pp | -9.96%+21.6pp |
| Employer contribution / active EE | $981 | $1,759-44.2% | $2,485-60.5% | $2,111-53.5% |
| Participant deferral / active EE | $1,415 | $3,255-56.5% | $3,852-63.3% | $3,350-57.8% |
| Admin fee / account holder | $2,012 | $489+311.4% | $6,675-69.9% | $521+286.3% |