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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 | $14,568 | $93,598-84.4% | $135,974-89.3% | $75,173-80.6% |
| Participation rate | 45.5% | 75.2%-29.7pp | 81.9%-36.5pp | 67.2%-21.7pp |
| Annual return | 21.85% | 30.89%-9.0pp | 68.30%-46.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $1,083 | $3,538-69.4% | $4,859-77.7% | $2,671-59.5% |
| Participant deferral / active EE | $1,827 | $6,405-71.5% | $7,760-76.5% | $4,126-55.7% |
| Admin fee / account holder | $902 | $6,978-87.1% | $10,767-91.6% | $5,651-84.0% |