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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 | $12,938 | $76,551-83.1% | $123,894-89.6% | $62,881-79.4% |
| Participation rate | 66.7% | 73.0%-6.3pp | 81.4%-14.7pp | 69.3%-2.6pp |
| Annual return | 10.57% | 18.68%-8.1pp | 47.52%-36.9pp | 20.14%-9.6pp |
| Employer contribution / active EE | $805 | $2,882-72.1% | $4,617-82.6% | $2,281-64.7% |
| Participant deferral / active EE | $1,957 | $4,840-59.6% | $5,984-67.3% | $3,203-38.9% |
| Admin fee / account holder | $517 | $4,826-89.3% | $8,357-93.8% | $4,296-88.0% |