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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 | $14,106 | $101,795-86.1% | $165,100-91.5% | $80,959-82.6% |
| Participation rate | 42.3% | 71.8%-29.5pp | 78.6%-36.3pp | 67.7%-25.4pp |
| Annual return | 13.76% | 16.73%-3.0pp | 70.21%-56.4pp | 35.67%-21.9pp |
| Employer contribution / active EE | $973 | $2,954-67.0% | $4,348-77.6% | $2,757-64.7% |
| Participant deferral / active EE | $1,363 | $4,476-69.6% | $6,035-77.4% | $4,300-68.3% |
| Admin fee / account holder | $3,228 | $8,221-60.7% | $12,696-74.6% | $6,925-53.4% |