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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 | $13,877 | $76,551-81.9% | $123,894-88.8% | $62,881-77.9% |
| Participation rate | 59.3% | 73.0%-13.7pp | 81.4%-22.1pp | 69.3%-10.0pp |
| Annual return | 9.41% | 18.68%-9.3pp | 47.52%-38.1pp | 20.14%-10.7pp |
| Employer contribution / active EE | $950 | $2,882-67.0% | $4,617-79.4% | $2,281-58.3% |
| Participant deferral / active EE | $1,158 | $4,840-76.1% | $5,984-80.6% | $3,203-63.8% |
| Admin fee / account holder | $655 | $4,826-86.4% | $8,357-92.2% | $4,296-84.8% |