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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 | $16,536 | $72,273-77.1% | $101,275-83.7% | $79,856-79.3% |
| Participation rate | 45.2% | 68.5%-23.3pp | 75.8%-30.6pp | 69.6%-24.5pp |
| Annual return | 19.57% | 22.30%-2.7pp | 46.48%-26.9pp | 31.71%-12.1pp |
| Employer contribution / active EE | $2,378 | $2,691-11.6% | $3,660-35.0% | $2,471-3.8% |
| Participant deferral / active EE | $1,049 | $3,282-68.0% | $4,371-76.0% | $3,741-72.0% |
| Admin fee / account holder | $1,922 | $4,401-56.3% | $5,948-67.7% | $5,306-63.8% |