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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 | $18,670 | $95,404-80.4% | $113,397-83.5% | $82,637-77.4% |
| Participation rate | 56.8% | 72.8%-16.1pp | 76.5%-19.7pp | 68.1%-11.3pp |
| Annual return | 12.18% | 19.08%-6.9pp | 23.20%-11.0pp | 53.51%-41.3pp |
| Employer contribution / active EE | $1,211 | $2,307-47.5% | $2,977-59.3% | $2,552-52.5% |
| Participant deferral / active EE | $1,793 | $4,220-57.5% | $5,076-64.7% | $4,126-56.5% |
| Admin fee / account holder | $2,333 | $9,168-74.5% | $11,957-80.5% | $7,339-68.2% |