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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 | $13,613 | $70,486-80.7% | $100,535-86.5% | $79,856-83.0% |
| Participation rate | 23.8% | 73.6%-49.8pp | 79.4%-55.6pp | 69.6%-45.8pp |
| Annual return | 16.87% | 21.90%-5.0pp | 30.90%-14.0pp | 31.71%-14.8pp |
| Employer contribution / active EE | $376 | $2,165-82.6% | $3,419-89.0% | $2,471-84.8% |
| Participant deferral / active EE | $940 | $5,182-81.9% | $6,271-85.0% | $3,741-74.9% |
| Admin fee / account holder | $1,974 | $4,480-55.9% | $8,085-75.6% | $5,306-62.8% |