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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 | $15,060 | $106,864-85.9% | $147,318-89.8% | $82,637-81.8% |
| Participation rate | 47.9% | 75.5%-27.6pp | 82.1%-34.1pp | 68.1%-20.1pp |
| Annual return | 20.54% | 27.49%-7.0pp | 70.43%-49.9pp | 53.51%-33.0pp |
| Employer contribution / active EE | $1,293 | $3,417-62.2% | $4,593-71.9% | $2,552-49.4% |
| Participant deferral / active EE | $2,074 | $6,496-68.1% | $7,906-73.8% | $4,126-49.7% |
| Admin fee / account holder | $2,500 | $8,415-70.3% | $13,708-81.8% | $7,339-65.9% |