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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 | $12,939 | $138,366-90.6% | $184,185-93.0% | $80,911-84.0% |
| Participation rate | 37.8% | 83.9%-46.0pp | 86.8%-49.0pp | 67.6%-29.8pp |
| Annual return | 19.32% | 20.02%-0.7pp | 28.81%-9.5pp | 35.63%-16.3pp |
| Employer contribution / active EE | $2,450 | $4,849-49.5% | $6,426-61.9% | $2,756-11.1% |
| Participant deferral / active EE | $397 | $7,074-94.4% | $9,132-95.7% | $4,297-90.8% |
| Admin fee / account holder | $2,692 | $10,484-74.3% | $13,909-80.6% | $6,935-61.2% |