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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 | $14,836 | $69,511-78.7% | $94,672-84.3% | $71,529-79.3% |
| Participation rate | 26.1% | 78.4%-52.3pp | 80.8%-54.7pp | 67.9%-41.8pp |
| Annual return | 22.13% | 29.67%-7.5pp | 156.89%-134.8pp | 28.97%-6.8pp |
| Employer contribution / active EE | $722 | $2,853-74.7% | $3,673-80.3% | $2,590-72.1% |
| Participant deferral / active EE | $2,310 | $7,348-68.6% | $7,417-68.9% | $4,291-46.2% |
| Admin fee / account holder | $1,672 | $1,211+38.1% | $7,222-76.8% | $1,588+5.3% |