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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 | $18,724 | $77,492-75.8% | $100,398-81.4% | $80,911-76.9% |
| Participation rate | 64.0% | 76.9%-12.9pp | 81.5%-17.5pp | 67.6%-3.6pp |
| Annual return | 15.12% | 37.23%-22.1pp | 49.32%-34.2pp | 35.63%-20.5pp |
| Employer contribution / active EE | $2,063 | $2,800-26.3% | $3,946-47.7% | $2,756-25.2% |
| Participant deferral / active EE | $2,308 | $6,817-66.1% | $8,084-71.4% | $4,297-46.3% |
| Admin fee / account holder | $388 | $5,892-93.4% | $7,893-95.1% | $6,935-94.4% |