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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 | $13,123 | $80,992-83.8% | $96,534-86.4% | $75,173-82.5% |
| Participation rate | 39.5% | 71.8%-32.3pp | 76.0%-36.5pp | 67.2%-27.7pp |
| Annual return | 18.44% | 27.05%-8.6pp | 25.88%-7.4pp | 160.72%-142.3pp |
| Employer contribution / active EE | $965 | $2,283-57.7% | $2,965-67.5% | $2,671-63.9% |
| Participant deferral / active EE | $1,690 | $3,929-57.0% | $4,851-65.2% | $4,126-59.1% |
| Admin fee / account holder | $3,579 | $6,717-46.7% | $8,253-56.6% | $5,651-36.7% |