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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 | $14,449 | $73,978-80.5% | $96,515-85.0% | $75,173-80.8% |
| Participation rate | 32.5% | 66.4%-34.0pp | 74.3%-41.9pp | 67.2%-34.7pp |
| Annual return | 19.69% | 26.72%-7.0pp | 35.73%-16.0pp | 160.72%-141.0pp |
| Employer contribution / active EE | $838 | $2,931-71.4% | $3,740-77.6% | $2,671-68.6% |
| Participant deferral / active EE | $1,283 | $3,660-65.0% | $4,880-73.7% | $4,126-68.9% |
| Admin fee / account holder | $955 | $5,219-81.7% | $6,735-85.8% | $5,651-83.1% |