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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 | $10,378 | $63,809-83.7% | $81,353-87.2% | $80,935-87.2% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.5%-29.5pp | 67.7%-27.7pp |
| Annual return | 14.26% | 16.37%-2.1pp | 24.82%-10.6pp | 35.66%-21.4pp |
| Employer contribution / active EE | $583 | $1,981-70.6% | $2,464-76.3% | $2,757-78.8% |
| Participant deferral / active EE | $996 | $3,093-67.8% | $3,885-74.4% | $4,299-76.8% |
| Admin fee / account holder | $496 | $5,686-91.3% | $5,766-91.4% | $6,924-92.8% |