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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 | $14,865 | $80,985-81.6% | $96,576-84.6% | $75,181-80.2% |
| Participation rate | 46.8% | 71.8%-25.0pp | 76.0%-29.2pp | 67.2%-20.4pp |
| Annual return | 19.53% | 27.05%-7.5pp | 25.87%-6.3pp | 160.69%-141.2pp |
| Employer contribution / active EE | $1,031 | $2,282-54.8% | $2,965-65.2% | $2,671-61.4% |
| Participant deferral / active EE | $1,760 | $3,929-55.2% | $4,851-63.7% | $4,126-57.3% |
| Admin fee / account holder | $988 | $6,719-85.3% | $8,253-88.0% | $5,650-82.5% |