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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 | $15,805 | $81,334-80.6% | $113,397-86.1% | $64,097-75.3% |
| Participation rate | 45.8% | 65.6%-19.8pp | 76.5%-30.7pp | 55.2%-9.4pp |
| Annual return | 16.76% | 32.50%-15.7pp | 23.20%-6.4pp | 34.64%-17.9pp |
| Employer contribution / active EE | $1,157 | $2,077-44.3% | $2,977-61.1% | $1,891-38.8% |
| Participant deferral / active EE | $1,535 | $3,795-59.6% | $5,076-69.8% | $3,080-50.2% |
| Admin fee / account holder | $709 | $4,208-83.2% | $11,957-94.1% | $3,454-79.5% |