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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 | $12,595 | $91,424-86.2% | $135,942-90.7% | $71,495-82.4% |
| Participation rate | 34.2% | 75.7%-41.4pp | 81.9%-47.7pp | 67.9%-33.7pp |
| Annual return | 22.05% | 29.90%-7.8pp | 68.28%-46.2pp | 28.85%-6.8pp |
| Employer contribution / active EE | $1,063 | $3,704-71.3% | $4,858-78.1% | $2,589-58.9% |
| Participant deferral / active EE | $1,806 | $7,092-74.5% | $7,759-76.7% | $4,291-57.9% |
| Admin fee / account holder | $1,858 | $1,266+46.7% | $10,764-82.7% | $1,588+17.0% |