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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 | $12,783 | $94,436-86.5% | $115,599-88.9% | $82,637-84.5% |
| Participation rate | 66.2% | 70.4%-4.2pp | 74.3%-8.0pp | 68.1%-1.8pp |
| Annual return | 14.50% | 18.37%-3.9pp | 111.10%-96.6pp | 53.51%-39.0pp |
| Employer contribution / active EE | $1,056 | $2,324-54.6% | $2,955-64.3% | $2,552-58.6% |
| Participant deferral / active EE | $1,327 | $3,955-66.5% | $4,889-72.9% | $4,126-67.9% |
| Admin fee / account holder | $1,863 | $10,328-82.0% | $12,841-85.5% | $7,339-74.6% |