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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 | $12,099 | $93,598-87.1% | $135,974-91.1% | $75,173-83.9% |
| Participation rate | 47.8% | 75.2%-27.4pp | 81.9%-34.1pp | 67.2%-19.4pp |
| Annual return | 24.70% | 30.89%-6.2pp | 68.30%-43.6pp | 160.72%-136.0pp |
| Employer contribution / active EE | $1,050 | $3,538-70.3% | $4,859-78.4% | $2,671-60.7% |
| Participant deferral / active EE | $1,754 | $6,405-72.6% | $7,760-77.4% | $4,126-57.5% |
| Admin fee / account holder | $622 | $6,978-91.1% | $10,767-94.2% | $5,651-89.0% |