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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 | $16,583 | $143,969-88.5% | $199,883-91.7% | $82,637-79.9% |
| Participation rate | 68.9% | 84.1%-15.3pp | 86.8%-17.9pp | 68.1%+0.8pp |
| Annual return | 14.02% | 25.67%-11.7pp | 43.81%-29.8pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,586 | $4,632-65.8% | $6,261-74.7% | $2,552-37.9% |
| Participant deferral / active EE | $2,151 | $6,937-69.0% | $9,138-76.5% | $4,126-47.9% |
| Admin fee / account holder | $2,016 | $14,597-86.2% | $17,268-88.3% | $7,339-72.5% |