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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 | $16,554 | $86,949-81.0% | $102,460-83.8% | $80,959-79.6% |
| Participation rate | 67.5% | 72.4%-4.9pp | 76.5%-9.0pp | 67.7%-0.2pp |
| Annual return | 13.68% | 18.89%-5.2pp | 29.47%-15.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $940 | $2,370-60.3% | $3,025-68.9% | $2,757-65.9% |
| Participant deferral / active EE | $1,627 | $4,121-60.5% | $5,056-67.8% | $4,300-62.2% |
| Admin fee / account holder | $870 | $8,048-89.2% | $9,460-90.8% | $6,925-87.4% |