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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 | $12,864 | $81,504-84.2% | $102,437-87.4% | $80,959-84.1% |
| Participation rate | 55.9% | 66.9%-11.0pp | 74.5%-18.6pp | 67.7%-11.8pp |
| Annual return | 10.79% | 25.60%-14.8pp | 24.95%-14.2pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,369 | $3,104-55.9% | $3,871-64.6% | $2,757-50.3% |
| Participant deferral / active EE | $1,416 | $3,871-63.4% | $5,060-72.0% | $4,300-67.1% |
| Admin fee / account holder | $3,870 | $6,719-42.4% | $8,388-53.9% | $6,925-44.1% |