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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 | $16,365 | $95,453-82.9% | $112,040-85.4% | $82,448-80.2% |
| Participation rate | 67.6% | 72.8%-5.2pp | 76.5%-8.9pp | 68.1%-0.5pp |
| Annual return | 15.73% | 23.92%-8.2pp | 24.52%-8.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,239 | $2,318-46.5% | $2,954-58.0% | $2,551-51.4% |
| Participant deferral / active EE | $1,668 | $4,224-60.5% | $5,098-67.3% | $4,139-59.7% |
| Admin fee / account holder | $2,565 | $9,013-71.5% | $12,098-78.8% | $7,234-64.5% |