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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 | $15,955 | $93,598-83.0% | $135,974-88.3% | $75,173-78.8% |
| Participation rate | 38.5% | 75.2%-36.7pp | 81.9%-43.5pp | 67.2%-28.7pp |
| Annual return | 21.14% | 30.89%-9.7pp | 68.30%-47.2pp | 160.72%-139.6pp |
| Employer contribution / active EE | $989 | $3,538-72.0% | $4,859-79.6% | $2,671-63.0% |
| Participant deferral / active EE | $1,645 | $6,405-74.3% | $7,760-78.8% | $4,126-60.1% |
| Admin fee / account holder | $580 | $6,978-91.7% | $10,767-94.6% | $5,651-89.7% |