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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 | $18,365 | $81,504-77.5% | $102,437-82.1% | $80,959-77.3% |
| Participation rate | 64.0% | 66.9%-2.9pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 13.14% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,847 | $3,104-8.3% | $3,871-26.4% | $2,757+3.3% |
| Participant deferral / active EE | $1,573 | $3,871-59.4% | $5,060-68.9% | $4,300-63.4% |
| Admin fee / account holder | $4,208 | $6,719-37.4% | $8,388-49.8% | $6,925-39.2% |