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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 | $18,739 | $98,760-81.0% | $149,715-87.5% | $79,858-76.5% |
| Participation rate | 61.8% | 75.8%-14.0pp | 82.5%-20.7pp | 69.6%-7.9pp |
| Annual return | 17.83% | 27.43%-9.6pp | 276.66%-258.8pp | 31.72%-13.9pp |
| Employer contribution / active EE | $981 | $3,217-69.5% | $4,645-78.9% | $2,471-60.3% |
| Participant deferral / active EE | $1,642 | $5,681-71.1% | $6,842-76.0% | $3,740-56.1% |
| Admin fee / account holder | $440 | $6,053-92.7% | $9,310-95.3% | $5,306-91.7% |