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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 | $14,607 | $86,938-83.2% | $102,423-85.7% | $80,925-81.9% |
| Participation rate | 55.8% | 72.4%-16.6pp | 76.5%-20.7pp | 67.7%-11.8pp |
| Annual return | 15.76% | 18.89%-3.1pp | 29.42%-13.7pp | 35.65%-19.9pp |
| Employer contribution / active EE | $734 | $2,369-69.0% | $3,023-75.7% | $2,756-73.4% |
| Participant deferral / active EE | $1,626 | $4,120-60.5% | $5,054-67.8% | $4,299-62.2% |
| Admin fee / account holder | $1,497 | $8,053-81.4% | $9,455-84.2% | $6,940-78.4% |