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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 | $10,324 | $76,551-86.5% | $123,894-91.7% | $62,881-83.6% |
| Participation rate | 59.5% | 73.0%-13.5pp | 81.4%-22.0pp | 69.3%-9.8pp |
| Annual return | 8.56% | 18.68%-10.1pp | 47.52%-39.0pp | 20.14%-11.6pp |
| Employer contribution / active EE | $477 | $2,882-83.5% | $4,617-89.7% | $2,281-79.1% |
| Participant deferral / active EE | $1,908 | $4,840-60.6% | $5,984-68.1% | $3,203-40.4% |
| Admin fee / account holder | $5,327 | $4,826+10.4% | $8,357-36.3% | $4,296+24.0% |