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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 | $13,317 | $76,371-82.6% | $93,621-85.8% | $72,975-81.8% |
| Participation rate | 51.3% | 71.8%-20.5pp | 75.8%-24.6pp | 69.5%-18.2pp |
| Annual return | 19.14% | 25.82%-6.7pp | 32.76%-13.6pp | 81.01%-61.9pp |
| Employer contribution / active EE | $596 | $2,276-73.8% | $2,719-78.1% | $2,440-75.6% |
| Participant deferral / active EE | $801 | $3,538-77.4% | $4,070-80.3% | $3,608-77.8% |
| Admin fee / account holder | $1,122 | $6,839-83.6% | $7,890-85.8% | $5,124-78.1% |