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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 | $11,663 | $79,557-85.3% | $118,746-90.2% | $70,126-83.4% |
| Participation rate | 31.3% | 71.4%-40.1pp | 78.3%-47.0pp | 69.5%-38.3pp |
| Annual return | 16.40% | 25.64%-9.2pp | 24.54%-8.1pp | 73.15%-56.7pp |
| Employer contribution / active EE | $951 | $2,861-66.8% | $4,193-77.3% | $2,343-59.4% |
| Participant deferral / active EE | $1,107 | $4,089-72.9% | $5,332-79.2% | $3,332-66.8% |
| Admin fee / account holder | $2,529 | $5,374-52.9% | $10,720-76.4% | $4,645-45.6% |