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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 | $15,722 | $70,486-77.7% | $100,535-84.4% | $79,856-80.3% |
| Participation rate | 57.7% | 73.6%-16.0pp | 79.4%-21.7pp | 69.6%-11.9pp |
| Annual return | 18.68% | 21.90%-3.2pp | 30.90%-12.2pp | 31.71%-13.0pp |
| Employer contribution / active EE | $729 | $2,165-66.3% | $3,419-78.7% | $2,471-70.5% |
| Participant deferral / active EE | $2,126 | $5,182-59.0% | $6,271-66.1% | $3,741-43.2% |
| Admin fee / account holder | $1,372 | $4,480-69.4% | $8,085-83.0% | $5,306-74.1% |