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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 | $15,672 | $76,696-79.6% | $96,515-83.8% | $71,511-78.1% |
| Participation rate | 41.7% | 66.6%-24.8pp | 74.3%-32.6pp | 67.9%-26.2pp |
| Annual return | 19.62% | 48.32%-28.7pp | 35.73%-16.1pp | 28.86%-9.2pp |
| Employer contribution / active EE | $801 | $3,032-73.6% | $3,740-78.6% | $2,589-69.1% |
| Participant deferral / active EE | $999 | $3,770-73.5% | $4,880-79.5% | $4,291-76.7% |
| Admin fee / account holder | $1,015 | $2,030-50.0% | $6,735-84.9% | $1,588-36.1% |