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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 | $14,114 | $88,370-84.0% | $112,977-87.5% | $79,858-82.3% |
| Participation rate | 44.4% | 76.8%-32.4pp | 82.6%-38.1pp | 69.6%-25.2pp |
| Annual return | 20.93% | 23.16%-2.2pp | 24.24%-3.3pp | 31.72%-10.8pp |
| Employer contribution / active EE | $1,072 | $3,398-68.4% | $4,255-74.8% | $2,471-56.6% |
| Participant deferral / active EE | $1,329 | $4,536-70.7% | $5,836-77.2% | $3,740-64.5% |
| Admin fee / account holder | $1,051 | $5,750-81.7% | $6,294-83.3% | $5,306-80.2% |