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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 | $12,073 | $77,472-84.4% | $100,415-88.0% | $80,959-85.1% |
| Participation rate | 34.9% | 76.9%-42.0pp | 81.5%-46.6pp | 67.7%-32.7pp |
| Annual return | 16.77% | 37.26%-20.5pp | 49.47%-32.7pp | 35.67%-18.9pp |
| Employer contribution / active EE | $357 | $2,800-87.2% | $3,943-90.9% | $2,757-87.0% |
| Participant deferral / active EE | $1,942 | $6,818-71.5% | $8,091-76.0% | $4,300-54.8% |
| Admin fee / account holder | $417 | $5,885-92.9% | $7,906-94.7% | $6,925-94.0% |