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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 | $18,086 | $77,817-76.8% | $123,553-85.4% | $64,173-71.8% |
| Participation rate | 54.1% | 74.7%-20.7pp | 82.3%-28.2pp | 69.6%-15.5pp |
| Annual return | 10.76% | 12.49%-1.7pp | 119.21%-108.4pp | 7.63%+3.1pp |
| Employer contribution / active EE | $1,210 | $3,014-59.9% | $4,628-73.9% | $2,381-49.2% |
| Participant deferral / active EE | $1,406 | $5,240-73.2% | $6,426-78.1% | $3,470-59.5% |
| Admin fee / account holder | $530 | $5,519-90.4% | $9,284-94.3% | $4,887-89.2% |