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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 | $16,036 | $67,602-76.3% | $82,312-80.5% | $70,126-77.1% |
| Participation rate | 61.9% | 72.8%-10.9pp | 76.9%-15.0pp | 69.5%-7.6pp |
| Annual return | 16.95% | 21.57%-4.6pp | 25.88%-8.9pp | 73.15%-56.2pp |
| Employer contribution / active EE | $1,647 | $1,755-6.1% | $2,428-32.2% | $2,343-29.7% |
| Participant deferral / active EE | $587 | $2,987-80.3% | $3,706-84.2% | $3,332-82.4% |
| Admin fee / account holder | $1,615 | $4,512-64.2% | $5,608-71.2% | $4,645-65.2% |