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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 | $12,718 | $80,992-84.3% | $96,534-86.8% | $75,173-83.1% |
| Participation rate | 55.7% | 71.8%-16.1pp | 76.0%-20.3pp | 67.2%-11.5pp |
| Annual return | 15.31% | 27.05%-11.7pp | 25.88%-10.6pp | 160.72%-145.4pp |
| Employer contribution / active EE | $646 | $2,283-71.7% | $2,965-78.2% | $2,671-75.8% |
| Participant deferral / active EE | $1,451 | $3,929-63.1% | $4,851-70.1% | $4,126-64.8% |
| Admin fee / account holder | $1,521 | $6,717-77.4% | $8,253-81.6% | $5,651-73.1% |