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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 | $15,458 | $81,446-81.0% | $103,374-85.0% | $80,874-80.9% |
| Participation rate | 22.6% | 66.9%-44.3pp | 74.5%-51.9pp | 67.6%-45.1pp |
| Annual return | 18.55% | 25.57%-7.0pp | 24.89%-6.3pp | 35.62%-17.1pp |
| Employer contribution / active EE | $983 | $3,107-68.4% | $3,869-74.6% | $2,756-64.3% |
| Participant deferral / active EE | $1,560 | $3,870-59.7% | $5,058-69.2% | $4,297-63.7% |
| Admin fee / account holder | $1,778 | $6,715-73.5% | $8,394-78.8% | $6,935-74.4% |