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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 | $15,300 | $76,551-80.0% | $123,894-87.7% | $62,881-75.7% |
| Participation rate | 59.3% | 73.0%-13.7pp | 81.4%-22.1pp | 69.3%-10.0pp |
| Annual return | 9.26% | 18.68%-9.4pp | 47.52%-38.3pp | 20.14%-10.9pp |
| Employer contribution / active EE | $1,163 | $2,882-59.7% | $4,617-74.8% | $2,281-49.0% |
| Participant deferral / active EE | $1,712 | $4,840-64.6% | $5,984-71.4% | $3,203-46.6% |
| Admin fee / account holder | $463 | $4,826-90.4% | $8,357-94.5% | $4,296-89.2% |