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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 | $14,501 | $81,504-82.2% | $102,437-85.8% | $80,959-82.1% |
| Participation rate | 65.6% | 66.9%-1.3pp | 74.5%-8.9pp | 67.7%-2.1pp |
| Annual return | 13.39% | 25.60%-12.2pp | 24.95%-11.6pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,949 | $3,104-37.2% | $3,871-49.6% | $2,757-29.3% |
| Participant deferral / active EE | $1,331 | $3,871-65.6% | $5,060-73.7% | $4,300-69.1% |
| Admin fee / account holder | $329 | $6,719-95.1% | $8,388-96.1% | $6,925-95.2% |