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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 | $12,097 | $56,894-78.7% | $84,753-85.7% | $62,881-80.8% |
| Participation rate | 53.8% | 68.5%-14.7pp | 76.6%-22.7pp | 69.3%-15.5pp |
| Annual return | 13.24% | 6.30%+6.9pp | 22.78%-9.5pp | 20.14%-6.9pp |
| Employer contribution / active EE | $916 | $2,400-61.8% | $3,574-74.4% | $2,281-59.8% |
| Participant deferral / active EE | $963 | $2,709-64.4% | $3,712-74.1% | $3,203-69.9% |
| Admin fee / account holder | $1,959 | $3,581-45.3% | $5,333-63.3% | $4,296-54.4% |