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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 | $15,899 | $80,992-80.4% | $96,534-83.5% | $75,173-78.9% |
| Participation rate | 54.8% | 71.8%-17.0pp | 76.0%-21.2pp | 67.2%-12.4pp |
| Annual return | 21.12% | 27.05%-5.9pp | 25.88%-4.8pp | 160.72%-139.6pp |
| Employer contribution / active EE | $989 | $2,283-56.7% | $2,965-66.6% | $2,671-63.0% |
| Participant deferral / active EE | $1,658 | $3,929-57.8% | $4,851-65.8% | $4,126-59.8% |
| Admin fee / account holder | $3,262 | $6,717-51.4% | $8,253-60.5% | $5,651-42.3% |