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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 | $16,029 | $94,436-83.0% | $115,599-86.1% | $82,637-80.6% |
| Participation rate | 68.0% | 70.4%-2.4pp | 74.3%-6.3pp | 68.1%-0.1pp |
| Annual return | 12.68% | 18.37%-5.7pp | 111.10%-98.4pp | 53.51%-40.8pp |
| Employer contribution / active EE | $928 | $2,324-60.1% | $2,955-68.6% | $2,552-63.6% |
| Participant deferral / active EE | $1,069 | $3,955-73.0% | $4,889-78.1% | $4,126-74.1% |
| Admin fee / account holder | $1,477 | $10,328-85.7% | $12,841-88.5% | $7,339-79.9% |