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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 | $11,946 | $81,504-85.3% | $102,437-88.3% | $80,959-85.2% |
| Participation rate | 30.2% | 66.9%-36.7pp | 74.5%-44.3pp | 67.7%-37.5pp |
| Annual return | 18.11% | 25.60%-7.5pp | 24.95%-6.8pp | 35.67%-17.6pp |
| Employer contribution / active EE | $856 | $3,104-72.4% | $3,871-77.9% | $2,757-68.9% |
| Participant deferral / active EE | $1,095 | $3,871-71.7% | $5,060-78.4% | $4,300-74.5% |
| Admin fee / account holder | $1,214 | $6,719-81.9% | $8,388-85.5% | $6,925-82.5% |