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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 | $13,563 | $106,524-87.3% | $152,301-91.1% | $87,485-84.5% |
| Participation rate | 65.9% | 75.8%-9.8pp | 82.4%-16.5pp | 68.9%-3.0pp |
| Annual return | 19.58% | 26.89%-7.3pp | 80.50%-60.9pp | 26.06%-6.5pp |
| Employer contribution / active EE | $1,276 | $3,371-62.1% | $4,624-72.4% | $2,596-50.8% |
| Participant deferral / active EE | $2,442 | $6,525-62.6% | $8,004-69.5% | $4,274-42.9% |
| Admin fee / account holder | $1,193 | $8,287-85.6% | $14,398-91.7% | $7,775-84.7% |