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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 | $13,043 | $79,449-83.6% | $189,575-93.1% | $85,847-84.8% |
| Participation rate | 51.7% | 66.0%-14.3pp | 78.4%-26.7pp | 69.3%-17.6pp |
| Annual return | 13.92% | 18.45%-4.5pp | 64.19%-50.3pp | 318.61%-304.7pp |
| Employer contribution / active EE | $624 | $2,081-70.0% | $4,412-85.9% | $2,565-75.7% |
| Participant deferral / active EE | $809 | $4,051-80.0% | $6,174-86.9% | $3,952-79.5% |
| Admin fee / account holder | $1,360 | $5,377-74.7% | $9,806-86.1% | $6,261-78.3% |