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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 | $142,972-88.4% | $214,702-92.3% | $86,983-80.9% |
| Participation rate | 68.9% | 84.9%-16.0pp | 87.5%-18.6pp | 69.5%-0.7pp |
| Annual return | 14.02% | 18.49%-4.5pp | 54.55%-40.5pp | 25.83%-11.8pp |
| Employer contribution / active EE | $1,586 | $4,635-65.8% | $6,461-75.5% | $2,584-38.6% |
| Participant deferral / active EE | $2,151 | $6,568-67.2% | $9,147-76.5% | $4,194-48.7% |
| Admin fee / account holder | $2,016 | $17,617-88.6% | $19,830-89.8% | $7,856-74.3% |