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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 | $15,886 | $115,931-86.3% | $185,441-91.4% | $86,983-81.7% |
| Participation rate | 67.6% | 73.6%-6.0pp | 80.3%-12.7pp | 69.5%-1.9pp |
| Annual return | 15.28% | 21.47%-6.2pp | 20.16%-4.9pp | 25.83%-10.6pp |
| Employer contribution / active EE | $955 | $2,937-67.5% | $4,672-79.6% | $2,584-63.0% |
| Participant deferral / active EE | $1,618 | $4,551-64.4% | $6,152-73.7% | $4,194-61.4% |
| Admin fee / account holder | $3,415 | $10,687-68.0% | $17,890-80.9% | $7,856-56.5% |