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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 | $16,250 | $86,940-81.3% | $102,434-84.1% | $80,935-79.9% |
| Participation rate | 54.8% | 72.4%-17.6pp | 76.5%-21.7pp | 67.7%-12.9pp |
| Annual return | 10.49% | 18.89%-8.4pp | 29.46%-19.0pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,018 | $2,370-57.0% | $3,023-66.3% | $2,757-63.1% |
| Participant deferral / active EE | $1,315 | $4,121-68.1% | $5,055-74.0% | $4,299-69.4% |
| Admin fee / account holder | $302 | $8,047-96.2% | $9,462-96.8% | $6,924-95.6% |