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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 | $13,188 | $76,551-82.8% | $123,894-89.4% | $62,881-79.0% |
| Participation rate | 27.0% | 73.0%-46.0pp | 81.4%-54.4pp | 69.3%-42.3pp |
| Annual return | 6.77% | 18.68%-11.9pp | 47.52%-40.7pp | 20.14%-13.4pp |
| Employer contribution / active EE | $458 | $2,882-84.1% | $4,617-90.1% | $2,281-79.9% |
| Participant deferral / active EE | $748 | $4,840-84.5% | $5,984-87.5% | $3,203-76.7% |
| Admin fee / account holder | $1,332 | $4,826-72.4% | $8,357-84.1% | $4,296-69.0% |