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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 | $12,973 | $118,496-89.1% | $98,461-86.8% | $139,466-90.7% |
| Participation rate | 65.2% | 77.5%-12.2pp | 75.2%-10.0pp | 80.3%-15.1pp |
| Annual return | 17.96% | 18.96%-1.0pp | 21.17%-3.2pp | 373.66%-355.7pp |
| Employer contribution / active EE | $923 | $3,611-74.4% | $3,049-69.7% | $4,754-80.6% |
| Participant deferral / active EE | $1,274 | $5,393-76.4% | $4,738-73.1% | $6,712-81.0% |
| Admin fee / account holder | $2,306 | $14,056-83.6% | $8,961-74.3% | $11,409-79.8% |