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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 | $106,864-87.3% | $147,318-90.8% | $82,637-83.6% |
| Participation rate | 65.9% | 75.5%-9.6pp | 82.1%-16.2pp | 68.1%-2.1pp |
| Annual return | 19.58% | 27.49%-7.9pp | 70.43%-50.9pp | 53.51%-33.9pp |
| Employer contribution / active EE | $1,276 | $3,417-62.6% | $4,593-72.2% | $2,552-50.0% |
| Participant deferral / active EE | $2,442 | $6,496-62.4% | $7,906-69.1% | $4,126-40.8% |
| Admin fee / account holder | $1,193 | $8,415-85.8% | $13,708-91.3% | $7,339-83.7% |