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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 | $16,317 | $72,273-77.4% | $101,275-83.9% | $79,856-79.6% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 17.92% | 22.30%-4.4pp | 46.48%-28.6pp | 31.71%-13.8pp |
| Employer contribution / active EE | $1,438 | $2,691-46.6% | $3,660-60.7% | $2,471-41.8% |
| Participant deferral / active EE | $784 | $3,282-76.1% | $4,371-82.1% | $3,741-79.0% |
| Admin fee / account holder | $3,232 | $4,401-26.6% | $5,948-45.7% | $5,306-39.1% |